Deadbeat Dad Steals Money From His Child | Financial Audit

⚡️ Download the DollarWise Budgeting App today:➡️ https://bit.ly/dollarwiseapp ⚡️ Get your FREE Hammer Financial Score:➡️ https://bit.ly/calebhammer 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: gamersupps.gg/caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://chime.com/calebhammer ============================= Our Sponsors for This Video ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Download Helium Mobile and sign up with code CALEB 👉https://app.heliummobile.com/o6WA/vdqufw1r Learn more: https://heliummobile.com Go to https://ro.co/caleb to see if your insurance covers GLP-1s—for free. ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= Check Out My Resources ============================= 👉 I'VE MOVED MY INVESTMENTS TO WEBULL! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://chime.com/calebhammer 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Fizz sign-ups with code HAMMER10 get $1.0: https://www.joinfizz.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= ============================= Want to be a guest on Financial Audit? ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.

• 0:00Speaker 00

  Visible puts the ultimate wireless hack in the palm of your hand. With unlimited 5G wireless data and hotspot designed to keep you connected. Powered by Verizon's 5G network. And no contract holding you back. Plans start at $25 a month. Or get the premium Visible Plus Pro Plan and save $10 on your first month when you use promo code "HACK". Make the switch at visible.com. Terms apply. See visible.com for details.

• 0:31Speaker 01

  Low energy, unfocused, foggy? You might be dehydrated. Whether it's hot yoga, over 100 degree weather, or too much sun. Gator Light, with a specialized blend of five electrolytes, was scientifically designed to help move fluids into the body faster for rapid rehydration. Shop now at retailers nationwide. Gator Light: Hydrates Faster Than Water. Is it in you? Symptoms noted are signs of mild to moderate dehydration. Consult a healthcare professional if symptoms persist.

• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. You raided your kid's savings so you could go on vacation and you don't regret it?

• 1:07Speaker 03

  I figured he's three, four now. He won't, he won't know.

• 1:10Caleb Hammer?

  How much was there in your kid's savings?

• 1:13Speaker 03

  Probably [BLEEP] because they thought I was going to pay him back immediately, but I

• 1:17Caleb Hammer?

  Pay him back!

• 1:18Speaker 03

  Pay my son right back.

• 1:19Caleb Hammer?

  Pay your son back, do you hear that? You're paying a four-year-old back, do you hear that? What the [BLEEP]?

• 1:23Speaker 03

  She said when she quits yelling at me is when I should worry.

• 1:26Caleb Hammer?

  Do you think she's actually sticking around just because of the kids?

• 1:29Speaker 03

  Potentially.

• 1:30Caleb Hammer?

  Sure she's not [BLEEP] someone else.

• 1:31Speaker 03

  I wouldn't be surprised.

• 1:34Caleb Hammer?

  We've been getting a ton of people asking us to extend the deadline for the DollarWise launch. So, you know what? I'm going to give it to you. Starting now, you can still sign up for a three-day free trial for DollarWise. But hurry, we're ending the promotion at midnight on October 31st. And get a free signed cookbook by me. Click the link and start your free trial today.

• 1:55Speaker 03

  Hi, my name is Christian. I'm 28 years old and this is Financial Audit.

• 2:01Caleb Hammer?

  You're a red one, aren't ya?

• 2:02Speaker 03

  Yep, I don't wear sunscreen.

• 2:04Caleb Hammer?

  Yeah.

• 2:04Speaker 03

  I work outside all day.

• 2:05Caleb Hammer?

  Hold it, it's 28, you're two years younger than me. Yeah, dude, you're gonna, you're gonna age.

• 2:10Speaker 03

  Oh, yeah.

• 2:10Caleb Hammer?

  Can we talk about that? You're gonna age.

• 2:12Speaker 03

  Oh, I know, trust me. I'm in the sun all day.

• 2:15Caleb Hammer?

  And you said... What's the city you're from?

• 2:18Speaker 03

  Biloxi, Mississippi.

• 2:19Caleb Hammer?

  Biloxi, Mississippi. I don't know it. Mississippi not a high cost of living state by any means, so I'm very curious to see what kinda income you got. What do you do for a living?

• 2:29Speaker 03

  I am a mailman for the post office.

• 2:31Caleb Hammer?

  Okay, freedom, we love it. America, ro-ro.

• 2:35Speaker 03

  It's not too bad.

• 2:36Caleb Hammer?

  Sure, what do you make?

• 2:37Speaker 03

  Um, about $27 an hour.

• 2:39Caleb Hammer?

  Mm-hmm. In Biloxi, how does that stretch? How you feeling?

• 2:44Speaker 03

  Uh, it's not too bad if I was a little more responsible, but, you know, YOLO.

• 2:49Caleb Hammer?

  YOLO?

• 2:50Speaker 03

  Yeah, I just like to live it, live my life.

• 2:53Caleb Hammer?

  We're going back 10 years ago, YOLO, okay. Wow, sure. Um, it was big when you were 18.

• 3:00Speaker 03

  Yeah.

• 3:01Caleb Hammer?

  And you're really holding out those high school days where you peaked, right?

• 3:03Speaker 03

  Oh, yeah.

• 3:04Caleb Hammer?

  Sorry, probably not true, I don't know. Uh, okay, so what hits your account per paycheck?

• 3:12Speaker 03

  On average, I'd say about $1,500. Depends on if I work overtime.

• 3:16Caleb Hammer?

  Is that every other week?

• 3:17Speaker 03

  Every two weeks.

• 3:17Caleb Hammer?

  We're bi-weekly, $1,500?

• 3:19Speaker 03

  Bi-weekly, yes, sir.

• 3:19Caleb Hammer?

  You said if overtime?

• 3:21Speaker 03

  If I work.

• 3:21Caleb Hammer?

  All of them's overtime. Is that normal? $1,500 is the normal, though.

• 3:24Speaker 03

  It's about average, it's normal.

• 3:25Caleb Hammer?

  Good, okay.

• 3:26Speaker 03

  It was more consistent, but I actually recently took myself off the overtime list. I don't work overtime anymore.

• 3:32Caleb Hammer?

  Okay, so what hits your account now?

• 3:34Speaker 03

  About $1,500.

• 3:35Caleb Hammer?

  Okay, so just $1,500, what was it?

• 3:37Speaker 03

  Sometimes I'm forced.

• 3:37Caleb Hammer?

  What was it?

• 3:38Speaker 03

  About 18 to 19.

• 3:39Caleb Hammer?

  People want their mail, why are you going down?

• 3:42Speaker 03

  Well, my wife just left for the military, and I have a four-year-old.

• 3:45Caleb Hammer?

  How old's your wife?

• 3:46Speaker 03

  She's 27.

• 3:47Caleb Hammer?

  What does she do?

• 3:48Speaker 03

  She just rejoined the military, in the army. She was National Guard. She can't tell me. She has to go to training. She just left for training.

• 3:56Caleb Hammer?

  Sure, she's not [__] someone else?

• 3:58Speaker 03

  Oh, yeah, I hope not. She might be.

• 4:05Caleb Hammer?

  That is a common thing.

• 4:09Speaker 03

  She comes home in a good mood, I'll look the other way.

• 4:16Caleb Hammer?

  Why is she doing this? Like, I love that. Signing up and serving, great, we love it. We, we love the armed forces. We need people protecting the United States. This is good. You really don't hear them signing up 10 years after when people usually sign up.

• 4:30Speaker 03

  Well, she was in the National Guard. And then, when we had our kids, she got out. And she says it's because I've put us in a financial hole, you know?

• 4:39Caleb Hammer?

  So she signs up for the Army?

• 4:41Speaker 03

  Yeah, well, she could go right back-

• 4:42Caleb Hammer?

  Or to get away from you.

• 4:43Speaker 03

  Well, she could keep her rank, and so she gets paid more. She was serving sushi, and she had some old ladies giving her crap about yum yum sauce.

• 4:50Caleb Hammer?

  What, is she gonna go s- serve in Japan?

• 4:52Speaker 03

  I hope so. I hope so.

• 4:54Caleb Hammer?

  Okay.

• 4:55Speaker 03

  Cause I would love to move to Japan.

• 4:57Caleb Hammer?

  Oh, you're gonna follow?

• 4:58Speaker 03

  We are, my kid and I, as soon as she gets stationed somewhere, we're gonna up and move.

• 5:02Caleb Hammer?

  What, what the f-? This is, oh, oh, when is she stationed?

• 5:05Speaker 03

  We don't know.

• 5:06Caleb Hammer?

  Yeah, what if it's Afghanistan? I don't think we're there anymore.

• 5:08Speaker 03

  No, no, no, no, no. Not going there. I hope it's-

• 5:12Caleb Hammer?

  So you won't follow if it is Iraq? I think we're a little there still.

• 5:15Speaker 03

  I might back out at that point.

• 5:17Caleb Hammer?

  Uh, the marriage, or...?

• 5:20Speaker 03

  No, no, not the marriage, just the moving part.

• 5:22Caleb Hammer?

  And she'll be there for, is she doing the standard three-year cycle?

• 5:26Speaker 03

  I think she's on for four now.

• 5:27Caleb Hammer?

  Whoa, wait, what's the intent of this? I'm so confused. Again, I still don't hear people signing up. You're, you're at that age, typically.

• 5:33Speaker 03

  She was in. She had the opportunity to get back in and keep her rank. So she didn't have to start over.

• 5:38Caleb Hammer?

  So what income is that gonna come with, then?

• 5:40Speaker 03

  She's roughly-

• 5:41Caleb Hammer?

  Is she never gonna trans- try to translate to civilian life? Like, I'm confused.

• 5:45Speaker 03

  Her plan is to go in for occupational therapy assistant. They pay for all her school, and then it can transfer. When she gets out, she can do it privately. Civilian life.

• 5:53Caleb Hammer?

  Yeah, but with the National Guard, did she not already have school paid for?

• 5:57Speaker 03

  No, it was, well, she would have school paid for, but they trained her. So she would have to go to college. If she was in National Guard here, they send her straight to the training, and they pay her like a salary while she's in school. So instead of having to be in school and work, and be a weekend warrior on the National Guard, then she'll be in there full-time. And it's in Texas somewhere, I just, I don't know where.

• 6:19Caleb Hammer?

  But after service?

• 6:20Speaker 03

  After, she wants to transfer to civilian.

• 6:22Caleb Hammer?

  No, when is she doing the schooling, in service?

• 6:25Speaker 03

  She just left a couple weeks ago.

• 6:27Caleb Hammer?

  For...?

• 6:28Speaker 03

  Yeah, like the, like, she's in her service, and they pay her to be in school.

• 6:32Caleb Hammer?

  So what is she gonna be doing in service?

• 6:35Speaker 03

  Right now, just school. Like, that's her whole thing. And then when she gets that, she does, if she deploys, it'll be a med- it'll be a medical setting.

• 6:44Speaker 03

  And it won't be like, she won't be in like a combat zone, she'll be more like in a hospital helping people with like rehab and stuff.

• 6:49Caleb Hammer?

  Okay, I like that, that's nice.

• 6:52Speaker 03

  Yeah.

• 6:52Caleb Hammer?

  But you're saying she felt pushed to go because you f***ed up?

• 6:56Speaker 03

  That, that's what she tells me when we argue about money. She'll tell me she says-

• 6:59Caleb Hammer?

  Maybe she should be here with you, honestly.

• 7:01Speaker 03

  I tell her, I'm like, "Are you sure you're not trying to catch a break from us, you know, for a little bit?" But no, she said-

• 7:06Caleb Hammer?

  Honestly, maybe.

• 7:07Speaker 03

  She might, yeah, she might. But, you know, uh-

• 7:10Caleb Hammer?

  So sorry, I've interrupted a couple times. What, what income is she gonna be making then?

• 7:14Speaker 03

  Um, it should be around fifty-five hundred a month with her housing allowance.

• 7:19Caleb Hammer?

  When does that kick in? Oh, with housing allowance. But after it's, the housing allowance is put towards housing, what's gonna be hitting?

• 7:25Speaker 03

  I think it's around four. She just left, so we're-

• 7:27Caleb Hammer?

  Okay, and you guys have joint finances?

• 7:29Speaker 03

  We haven't conjoined yet.

• 7:31Caleb Hammer?

  So is that four even gonna go to the household? How, how does this gonna look?

• 7:35Speaker 03

  So I'm waiting-

• 7:35Caleb Hammer?

  It will? What's the household? You don't have joint. I'm confused. How does that work?

• 7:38Speaker 03

  Well, we kinda just send it back and forth between each other. She like, you know, she pays the power bill, it drives to her car. I pay the car payments, she'll pay this, I pay that.

• 7:47Caleb Hammer?

  Who pays rent?

• 7:48Speaker 03

  Uh-

• 7:48Caleb Hammer?

  The big one, the chunk?

• 7:50Speaker 03

  I don't have rent, I have a mortgage.

• 7:52Caleb Hammer?

  Who pays the mortgage? And you're gonna leave to go be stationed for four years?

• 7:55Speaker 03

  Uh, if I do, my dad's gonna rent my house from me. Build my equity for me. Pay the bills.

• 8:00Caleb Hammer?

  Why, why, why would your dad do that?

• 8:02Speaker 03

  Until I'm renting. Uh, cause he lives in an apartment with his mom right now, and he's looking, she has some health issues, so he moved in to help her out.

• 8:09Caleb Hammer?

  Okay.

• 8:09Speaker 03

  But she's, she's gonna have to go to a care facility, so he's looking to get an apartment. He's actually gonna move in with me for a little bit now that she's gone, until we leave, and then he'll take over everything. I don't wanna get rid of my house yet.

• 8:22Caleb Hammer?

  I'm not suggesting so necessarily, but you're gonna be gone for a bit, and you're gonna be landlord-ing, and landlord-ing with family especially gets very awkward, very quick. How long have you guys been together?

• 8:33Speaker 03

  Six years.

• 8:34Caleb Hammer?

  Married for?

• 8:35Speaker 03

  Since May, June. Yeah, we had a courthouse wedding.

• 8:38Caleb Hammer?

  And she's immediately leaving.

• 8:40Speaker 03

  Well, yeah, we had to get married because, so I can get all the military benefits.

• 8:45Speaker 03

  We don't want to pay for a wedding, you know, it's expensive.

• 8:47Caleb Hammer?

  Yeah.

• 8:48Speaker 04

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 9:18Caleb Hammer?

  Okay. Okay. Very, okay.

• 9:23Caleb Hammer?

  Okay, so I don't, well, the finances I'm looking at today, does that include hers?

• 9:28Speaker 03

  No, this is all just.

• 9:29Caleb Hammer?

  So how do I even incorporate her four into this?

• 9:32Speaker 03

  Uh, she has no debt.

• 9:32Caleb Hammer?

  Can I?

• 9:33Speaker 03

  She has no debt.

• 9:34Caleb Hammer?

  Yeah, but she has accounts including spending, so I don't know how to incorporate her 4,000 into this, especially since you guys aren't joint.

• 9:41Speaker 03

  Hmm.

• 9:44Speaker 03

  Yeah, I mean, I talked.

• 9:45Caleb Hammer?

  Really? No conversation around this? I mean, what is your, what have you guys talked about when it comes to her four?

• 9:50Speaker 03

  She, I asked her if she wanted to make a joint account before she left and she was like, uh, you know, she likes kind of how that setup we have now kind of works, you know? So.

• 10:01Caleb Hammer?

  For her to protect her, I have a feeling. Is she on the mortgage?

• 10:06Speaker 03

  Yes, she is. We're both on it.

• 10:07Caleb Hammer?

  When'd you guys get this house?

• 10:09Speaker 03

  September 2021. It was a little crazy back then.

• 10:14Caleb Hammer?

  Why? Oh, the housing market?

• 10:16Speaker 03

  Yeah, the house, the housing market was insane.

• 10:18Caleb Hammer?

  Okay. I, I'm just, I'm confused. Is she trying to have any kind of independence to protect herself? Like, cause it sounds like you guys got married before you're ready to get married or you only got it for benefits?

• 10:28Speaker 03

  Um, we were never really too concerned with the whole marriage aspect. You know, my kid's four, we've been together a while.

• 10:35Caleb Hammer?

  It was a four year old?

• 10:36Speaker 03

  Yes, I have a four year old.

• 10:38Caleb Hammer?

  Okay.

• 10:38Speaker 03

  So, you know, I have insurance through my job, it's a little pricey.

• 10:42Caleb Hammer?

  Sure. Now she gets cheaper. Biggest concern out of everything?

• 10:45Speaker 03

  Well, no, it's just one of the perks of her getting back in. There's a lot of ups and there's a lot of downs.

• 10:48Caleb Hammer?

  Yeah, but you guys getting married but not going to joint.

• 10:51Speaker 03

  Yeah.

• 10:51Caleb Hammer?

  Why doesn't she want to go joint? What has she said?

• 10:54Speaker 03

  She just says I spend too much money and.

• 10:56Caleb Hammer?

  So she doesn't trust you?

• 10:57Speaker 03

  Financially, probably not.

• 10:59Caleb Hammer?

  Then why are we married? Well, for the benefits, but you guys weren't ready.

• 11:03Speaker 03

  I mean, we love each other.

• 11:05Caleb Hammer?

  Yeah, loving isn't everything. Well, finances is one of the leading causes for divorce in this country.

• 11:09Speaker 03

  Oh, yeah, I've heard. She gets on to me.

• 11:12Caleb Hammer?

  She gets to tell me about that. She gets on you. What, what? Tell me.

• 11:14Speaker 03

  I told her if she had came here with me today, she'd probably sit on that side with you because she, she gets on me.

• 11:20Caleb Hammer?

  She, very good. Now, tell me what that's actually like.

• 11:23Speaker 03

  So like, I, I, my big thing is eating out. I have a weakness to eat now. And so I'll, you know, I'll be on, I'll get off work. I'll grab me some McDonald's on the way home, right?

• 11:33Caleb Hammer?

  Oh, yeah, you spend eating out.

• 11:35Speaker 03

  Oh, yeah. So like, it's like my stress thing. It's like, oh, McDonald's, Chick-fil-A chills me out, you know? It's kind of, instead of like a cigarette and get a McDouble, you know? And so she, and then like I'll come home and she'll be like, oh, did you go out to eat? And I'll be like, mm. And then she's like, you don't need to go out to eat. You spend too much damn money eating out.

• 11:55Caleb Hammer?

  Well, yeah, is, is she cooking? Are you cooking? How would that work?

• 11:59Speaker 03

  I, I don't like cooking.

• 12:00Caleb Hammer?

  Who's supposed to cook?

• 12:02Speaker 03

  Uh, we don't have an oven right now. We have the stove top, but we got struck by lightning a couple of months ago and it fried the oven. And so like the, the.

• 12:10Caleb Hammer?

  No insurance to cover?

• 12:12Speaker 03

  No, I don't have any insurance for stuff like that.

• 12:14Caleb Hammer?

  Okay. Yeah, that's usually extra layers. Okay, what do I have a note here, though, that I was like, I'm, I, I, listen, I go in blind with the audience and this is the get to know you section. And I usually decide whether right now, if I hate you or like you, and I usually like you, but I'm usually also annoyed. So, and that's normal, but I usually like the guests. And I was like, okay, so what's this episode about? So I look over my screen. I have a note from you, essentially, I guess in your application or whatever. You raided your kid's savings so you could go on vacation and you don't regret it.

• 12:46Speaker 03

  Yeah.

• 12:47Caleb Hammer?

  What the is that? Because that's gonna make me hate you real quick.

• 12:51Speaker 03

  No, I understand. I'm, I figured I valued building memories with him and stuff, taking him experiences. It was worth it.

• 12:58Caleb Hammer?

  Raided?

• 12:59Speaker 03

  Yeah, I figured, you know, I took him to New York four, four times in the last year. Disney World, the Bahamas.

• 13:05Caleb Hammer?

  What the?

• 13:06Speaker 03

  Houston.

• 13:06Caleb Hammer?

  With her?

• 13:07Speaker 03

  Atlanta, yes, she went.

• 13:09Caleb Hammer?

  What's the raided?

• 13:11Speaker 03

  Like, I used it all.

• 13:14Caleb Hammer?

  How much was there in your kid's savings? Your kid's savings?

• 13:19Speaker 03

  My savings for him was probably eight to 10,000.

• 13:22Caleb Hammer?

  What the f**k for your four-year-old?

• 13:25Speaker 03

  Yeah, well, I ran it up-

• 13:26Caleb Hammer?

  For your four-year-old?

• 13:27Speaker 03

  I ran it up on my credit cards and then-

• 13:29Caleb Hammer?

  Ran what up? Those trips?

• 13:31Speaker 03

  The trips expenses. I was like, well, I don't want to pay interest. I figured-

• 13:34Caleb Hammer?

  I don't want to pay interest, so let me take for my kid's future?

• 13:36Speaker 03

  Well, yeah, he's like a- He's like a 0% loan.

• 13:41Caleb Hammer?

  So you owe it back in your mind, which I get. What was the savings sitting in? What was the savings sitting in?

• 13:47Speaker 03

  Uh, Capital One Savings Account.

• 13:49Caleb Hammer?

  So just a regular old savings account. Okay, so it should have been accruing in some kind of like more education-focused savings account, tax-free, by the way?

• 13:56Speaker 03

  Yeah, I haven't set one up for him yet.

• 13:58Caleb Hammer?

  Great, wonderful. Love that, being a parent. And the wife's opinion on this?

• 14:04Speaker 03

  Uh, she doesn't approve. I really didn't ask for her permission before I did it. I figured he's three, four now. He won't, he won't know.

• 14:13Speaker 03

  He might one day, but by then I plan to have him paid back.

• 14:18Caleb Hammer?

  Yeah, 10,000 in 14 years?

• 14:23Speaker 03

  Yeah, hopefully sooner than that.

• 14:25Caleb Hammer?

  Hopefully sooner than that?

• 14:27Speaker 03

  Yeah.

• 14:28Caleb Hammer?

  Doesn't sound-

• 14:29Speaker 03

  I'm gonna get around to it.

• 14:30Caleb Hammer?

  Will you? Because you racked up credit cards to go on vacation, then took from his savings?

• 14:35Speaker 03

  And then ran them right back up.

• 14:37Caleb Hammer?

  Of course you do.

• 14:42Caleb Hammer?

  Bro, what the f**k? What the actual f**k? So you did it without asking?

• 14:47Speaker 03

  Yeah, cuz I had, she has her own account for him. I'm not sure what's in it. Probably shouldn't know.

• 14:52Caleb Hammer?

  Why is it her line, her line for everything, including for our kid? That's so weird. You guys' dynamic is so weird.

• 14:57Speaker 03

  I used to put him some to the side back then, but, you know, as my debt got higher and higher, my expenses got higher, I quit doing that. And then I was like, oh, I don't want to pay all this interest. You know, we had a good time. I think it was worth, I think it was worth it.

• 15:10Caleb Hammer?

  But this wasn't, like, you set this aside. I know technically you did it, but it was for your kid. And the way I separate that is it's no longer your money.

• 15:18Speaker 03

  Yeah, we just, actually, I just took him like four weeks ago to New York again.

• 15:25Speaker 03

  He had him, uh...

• 15:27Caleb Hammer?

  Why?

• 15:28Speaker 03

  He likes to ask to go and we were going-

• 15:30Caleb Hammer?

  The four-year-old's like, "Can we go to New York right now?"

• 15:32Speaker 03

  He actually does say that.

• 15:33Caleb Hammer?

  Yeah, cuz you've-

• 15:35Speaker 03

  I've put it in his head, yeah.

• 15:37Caleb Hammer?

  Well, yeah, four times this year! We're not even in Q3, 4 yet!

• 15:41Speaker 03

  Yeah. That's... That's the... That's where we like to go.

• 15:50Caleb Hammer?

  And now he feels some kind of like...

• 15:54Caleb Hammer?

  Entitlement?

• 15:55Speaker 03

  Yeah, he-

• 15:56Caleb Hammer?

  To this? Like, in a way? Not an entitlement, but like when kids has to go to McDonald's, he has to go to New York?

• 16:02Speaker 03

  Yeah, he's always asking, "When are we going to New York?" And then, you know-

• 16:05Caleb Hammer?

  Always asking four times in one year!

• 16:06Speaker 03

  Well, I was actually supposed to come on during that time, but I pushed it back with Lindsay because I was going to New York.

• 16:11Caleb Hammer?

  Okay. So you saved up how much into that savings account?

• 16:15Speaker 03

  Originally, it was close to 10,000.

• 16:17Caleb Hammer?

  And how'd you save that up?

• 16:18Speaker 03

  Um, well, I didn't save it all. A lot of it was like birthday money from family, friends. A lot of it was mine, a lot of it wasn't.

• 16:25Caleb Hammer?

  Dude, it wasn't even from you.

• 16:27Speaker 03

  Not all of it.

• 16:27Caleb Hammer?

  It wasn't even from you. It was from family giving it his br- Do they know?

• 16:32Speaker 03

  Uh, yeah, some of them.

• 16:33Caleb Hammer?

  Oh, and what do they think? What do they possibly think, guy? This is insane. This is disgusting.

• 16:40Speaker 03

  They, they didn't disagree cuz they thought I was gonna pay him back immediately, but I-

• 16:44Caleb Hammer?

  Pay who back? The savings account?

• 16:46Speaker 03

  Let my s- Pay my son right back.

• 16:47Caleb Hammer?

  But how could you do that? Pay your son back? Do you hear that? You're paying a four-year-old back. Do you hear that? What the f-

• 16:54Speaker 03

  I only get- He's only little for so long. Wanna go out there and build the memories, the experiences.

• 16:58Caleb Hammer?

  He's a year into forming memories-

• 17:01Speaker 03

  I can pay him back later.

• 17:02Caleb Hammer?

  But even still, a trip to New York once a year is great. I have great memories with my parents and we f- did everything on the cheap. It was going to a campground in a tent that was like 20 minutes away. That's what we did, and I have good memories! You don't have to go balls to the wall, four times in one year, plus Orlando and bullshit and craziness.

• 17:21Speaker 03

  Yeah, we did go on a two-week vacation last year. It's been a right under a year.

• 17:25Caleb Hammer?

  Dude, this is insane, and I don't even know if he was able to have memories at that point. You're gonna have pictures. But again, let's just pretend you did New York once this year. Okay, maybe. I mean, I would probably say, "No, you probably shouldn't." But I wouldn't be freaking the f- out. Four times in one year, probably five by year's end.

• 17:42Speaker 03

  Yeah, well, we had originally, we were just going on a cruise. And, well, then I was like, you know what?

• 17:47Caleb Hammer?

  What, your vacation lasts a month?

• 17:49Speaker 03

  Well, then it was a cruise, so I was like, you know what? I got a few extra days off, let's go to Disney, since we're gonna be down there anyways.

• 17:54Caleb Hammer?

  US Postal Service, stop giving days off, literally, for everyone, just so he stops f***ing up his child's life.

• 18:01Speaker 03

  Yep. There's a limit to how many people can be off. So, if four people are off, I can't take off, and it's pretty booked the rest of the year.

• 18:08Caleb Hammer?

  Dude, how many days have you taken off this year?

• 18:10Speaker 03

  I get like a hundred and twenty hours up front in January. And then I get my sick leave on the side.

• 18:15Caleb Hammer?

  You're taking it all?

• 18:16Speaker 03

  Uh, I have about forty left.

• 18:18Caleb Hammer?

  What are you gonna do? Forty, well, forty hours, so like...

• 18:21Speaker 03

  Forty hours left.

• 18:22Caleb Hammer?

  So, a week?

• 18:22Speaker 03

  It's about a week, I'm gonna try to roll it over, but we may go see his mom some. Depends on where she's...

• 18:27Caleb Hammer?

  His mom some?

• 18:28Speaker 03

  Her, her, his mom. My wife.

• 18:30Speaker 05

  This, uh, my wife, Oksana. She's a bore.

• 18:34Caleb Hammer?

  Oh, yeah, where is she?

• 18:36Speaker 03

  She's somewhere in Texas, I don't know the name of the town.

• 18:38Caleb Hammer?

  You're in Texas right now, and you don't know where she is.

• 18:41Speaker 03

  She's about...

• 18:42Caleb Hammer?

  You could be literally close to her.

• 18:44Speaker 03

  She's about four hours past Dallas.

• 18:46Caleb Hammer?

  In what direction, there, there's a, uh...

• 18:48Speaker 03

  West.

• 18:49Caleb Hammer?

  Four.

• 18:49Speaker 03

  I looked at it on map one time, but I don't know the name of it. Some military base.

• 18:54Caleb Hammer?

  How much you guys wanna bet it's Colleen?

• 18:55Speaker 03

  Could be.

• 18:56Caleb Hammer?

  Real close to us.

• 18:58Speaker 03

  I'm not sure, she says she's...

• 18:59Caleb Hammer?

  You're not gonna visit, well, here.

• 19:00Speaker 03

  No, I'm going back tonight.

• 19:03Speaker 03

  I didn't wanna spend money on a hotel room, so...

• 19:05Caleb Hammer?

  Oh, yes, of course, yeah, now we're gonna not spend money.

• 19:10Caleb Hammer?

  Oh, wow, you literally asked Colton to postpone coming today? Because you saw we were moving in New York, so you just wanted to go film in New York with...

• 19:18Speaker 03

  Oh, yeah.

• 19:19Caleb Hammer?

  What is your obsession with New York? Like, I'm excited to go there too, but this is insane!

• 19:23Speaker 03

  Have you ever been to Mississippi and then go somewhere like New York? You'd understand.

• 19:28Caleb Hammer?

  Well, why would I ever go into Mississippi?

• 19:30Speaker 03

  Well, that's fair, I under...

• 19:31Caleb Hammer?

  So, maybe don't be in Mississippi, you have that freedom, we got fifty states to choose from.

• 19:35Speaker 03

  Well, it's so cheap to live there, and I get paid the same, regardless.

• 19:38Caleb Hammer?

  Yeah, but usually cost of living follows.

• 19:39Speaker 03

  No, not for us.

• 19:40Caleb Hammer?

  Okay, get a better job.

• 19:41Speaker 03

  Yeah, I need one.

• 19:43Caleb Hammer?

  Well, maybe, and maybe not in luck so lucky.

• 19:47Speaker 03

  Yeah, I get a raise every forty-six weeks. I try to look in the future with that, say, oh, the pay will be good one day.

• 19:52Caleb Hammer?

  Um, yeah, I mean, no, people can have good careers at the postal services and there's good benefits and whatnot, but I mean, you're literally stealing from your child. So I don't think that's what I'm caring about. You stole ten thousand dollars that you didn't even contribute to your kid so that you can go on vacation.

• 20:06Speaker 03

  Yeah, we were actually talking about when she gets a break in a few weeks, maybe next month. We were actually talking about using the, um, the money we get from here and going to New York again.

• 20:15Caleb Hammer?

  The reimbursement that covers your travel.

• 20:16Speaker 03

  That's the word I was looking for.

• 20:17Caleb Hammer?

  That covers your travel to get here.

• 20:20Speaker 03

  Yes, that's why I went so cheap today, so that we could use it to go back to New York.

• 20:23Caleb Hammer?

  You're going a fifth time this year.

• 20:26Speaker 03

  Yes, I would like to get a Christmas.

• 20:26Caleb Hammer?

  What have you put your savings down to?

• 20:28Speaker 03

  My savings? I put a thousand dollars in there. And that's.

• 20:31Caleb Hammer?

  No, his savings.

• 20:32Speaker 03

  His savings is, oh, it says zero.

• 20:36Caleb Hammer?

  So the reimbursement that is a flat rate, because, you know, some people, we just don't want people to abuse it, is meant for people like you that are traveling in to cover the full cost.

• 20:47Speaker 03

  Yes.

• 20:50Caleb Hammer?

  And you're just gonna go to New York with it, which by the way, you're probably gonna spend more money anyway?

• 20:54Speaker 03

  Yeah, but who else gets a chance for a severely discounted New York trip?

• 20:58Caleb Hammer?

  Discounted, meaning you're still spending money that you do not have, well, you have not contributed back to your kid's savings account. If the, let's do a little bit of math. Do you know what the kid? It's so, this is so stupid. Why would you do this? That's so selfish. I would never. Dude, this is one of the more, can I be honest? One of the more disgusting things I think I've seen. If this was just in the overall market and the market these days, I mean, we're more compounding in the last few decades, like almost thirteen percent, but I'll do ten percent. Let's talk S and P five hundred, you know, since it's, uh, started, since it's, you know, until today. Don't even, don't even put anything else in it. The kid going up to eighteen where he could use it as a college fund or pull it, pay a little bit of taxes and start a business or down payment on a house or,

• 21:42Caleb Hammer?

  you know, start his life in a really strong way. So that's gonna be in fourteen years, ten thousand dollars, ten percent. That would have been forty thousand dollars. There you go. Boom. That's the cost of college right there. That's the cost of real good college.

• 21:52Speaker 03

  Yeah, I actually had.

• 21:53Caleb Hammer?

  Come on, forty thousand, that's what I borrowed for college.

• 21:55Speaker 03

  Yeah, I had a Roth IRA to grow in the market, but I cashed it out to pay for debt from going to New York.

• 22:01Caleb Hammer?

  That, didn't you, what, how does everything stem from going to New York with you?

• 22:05Speaker 03

  I, I like to travel. I like to travel, like my thing is experiences.

• 22:10Caleb Hammer?

  To New York.

• 22:11Speaker 03

  Yes, that's my favorite place to go right now.

• 22:12Caleb Hammer?

  Yeah, I mean, it's the biggest city in the country. I get it. It's, I'm sure it's fun.

• 22:15Speaker 03

  It's such a lifestyle shift.

• 22:17Caleb Hammer?

  It's a lifestyle shift and for some reason, we don't build other places like that in the United States. I really don't understand, but.

• 22:22Speaker 03

  Oh, yeah, I wish.

• 22:23Caleb Hammer?

  No, Chicago.

• 22:24Speaker 03

  I'll never have that in Mississippi. Every time I come back, it's just like.

• 22:27Caleb Hammer?

  I know offense to Mississippi, but it's like, that's not the place to, like, if I'm not mistaken, you know, Alabama's not great, but don't they usually lead analytically? Compared to Mississippi?

• 22:40Speaker 03

  I'd rather be in Mississippi.

• 22:41Caleb Hammer?

  Mississippi just like the down?

• 22:43Speaker 03

  I'd, I'd pick Mississippi over Alabama.

• 22:45Caleb Hammer?

  I'm sure you would, patriot of Mississippi, but I like, like, I, I, I don't get it. I, I don't get it. Bax, what's, what the, cause of Baxaluki? Where, where are you from?

• 22:56Speaker 03

  Biloxi.

• 22:58Caleb Hammer?

  I found it. Okay. It's on the coast.

• 23:00Speaker 03

  Yes.

• 23:00Caleb Hammer?

  There's a lighthouse.

• 23:02Speaker 03

  There is a lighthouse.

• 23:04Caleb Hammer?

  Wonderful. It has a lighthouse.

• 23:06Speaker 03

  Yeah.

• 23:06Caleb Hammer?

  Yeah, it just looks like a normal little small town, right?

• 23:09Speaker 03

  Yeah.

• 23:09Caleb Hammer?

  Very good. Yep. There's a casino. Wonderful.

• 23:11Speaker 03

  All those, yeah, there's like six or seven of them. All those little towns right there kind of make up one big city.

• 23:15Caleb Hammer?

  Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, why refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number. Interest rates, under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill and even a co-center release program. So your mom and dad can step off the hook. Why refi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress.

• 24:01Caleb Hammer?

  They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Y refi wants to help you climb out of debt, not push you further into it. Check them out at Y refi.com slash hammer. That is Y R E F Y dot com slash hammer. Or call triple eight nine seven three three nine seven eight. That is triple eight nine seven three three nine seven eight. Break free from the high interest trap and get your finances under control once and for all. Cause I've been traveling too, but you could be road tripping to Florida and stuff and road tripping to New Orleans.

• 24:38Speaker 03

  Usually when we wrote, we go to New Orleans a lot. We're actually going tomorrow for a family day. My mom, me.

• 24:43Caleb Hammer?

  This is not a day he is. Do you work?

• 24:47Speaker 03

  I do. I took off. I took off.

• 24:50Caleb Hammer?

  How much have you spent on vacation this year? Do you even know?

• 24:53Speaker 03

  Oh, if I had added up, I'd probably say north of 15,000.

• 24:58Speaker 03

  Usually all debt.

• 24:59Caleb Hammer?

  No, not all debt. You took 10,000 out for your.

• 25:02Speaker 03

  Yeah, well, that was for a different vacation. That was for the one, the two week vacation.

• 25:08Speaker 03

  I'm just trying to make memories.

• 25:10Caleb Hammer?

  That's wonderful.

• 25:11Speaker 03

  I treasure his younger years.

• 25:12Caleb Hammer?

  I, yes, I would too. You're going to treasure every year. You're going to want to make more memories when he's older too, and he can do more. The thing is, I mean, what the is the kid doing in New York anyway?

• 25:20Speaker 03

  Um, I push him around in a stroller. He like, I'd say he likes to go play. He likes, he likes the buildings. He likes to fly on the airplane. He finds it exciting.

• 25:29Caleb Hammer?

  Fly on the airplane, then fly.

• 25:32Speaker 03

  I'm sure he likes it that we eat out too, cause.

• 25:34Caleb Hammer?

  You can eat out anywhere. You can fly anywhere. There are buildings in other places. Chicago's 10 times cheaper.

• 25:39Speaker 03

  Chicago's actually one of the ones that's on the future list. We want to do New York during Christmas vibe, you know, after, maybe after Thanksgiving. So get that little.

• 25:48Caleb Hammer?

  We'll do a follow up with him there.

• 25:50Speaker 03

  Yes.

• 25:51Caleb Hammer?

  A early follow up.

• 25:52Speaker 03

  I look forward to it.

• 25:53Caleb Hammer?

  And we'll see how many times he's been in New York since then. Let me guess, it'll be like three more times by year's end at this rate. This is fucking insane.

• 26:00Speaker 03

  I hope so.

• 26:01Caleb Hammer?

  TSP deposit.

• 26:03Speaker 03

  Oh, yes. I took a TSP loan. TSP is my retirement to pay for debt from going to New York.

• 26:10Caleb Hammer?

  Oh, it always stuns. It's, we are not able to have a conversational topic here without going to New York somehow.

• 26:17Speaker 03

  That's kind of been my thing for the last year and I kind of let it get away from me.

• 26:21Caleb Hammer?

  Why don't you guys just move there?

• 26:23Speaker 03

  Uh, if I could afford to, I would, but I only.

• 26:24Caleb Hammer?

  You could afford to live in an outer borough?

• 26:26Speaker 03

  Yeah, but I went to Queen. If I'm going to be in New York, I want to be in Manhattan.

• 26:29Caleb Hammer?

  Well, yeah, build up your career and do that.

• 26:32Speaker 03

  I don't want, yeah, but my, my pay is set. So I, I know.

• 26:34Caleb Hammer?

  No, you would have to switch jobs.

• 26:36Speaker 03

  Yeah, I would definitely have to switch jobs. Yeah. I just, I don't know, like, if I go to New York, I don't want to have to live somewhere like Queens or the Bronx. I want to live nice, you know, big apartment up in the sky, look out over Central Park.

• 26:51Caleb Hammer?

  Very good.

• 26:51Speaker 03

  Yeah.

• 26:52Caleb Hammer?

  Because unless you build an incredible resume and then switch them, but I don't think you have any incentive to switch from your current job where you are. So it's like, I don't think you're going to be doing anything. And it sounds like that's kind of the lifestyle you wish you had anyway.

• 27:04Speaker 03

  Yeah.

• 27:04Caleb Hammer?

  So you have to sacrifice grind and then build up to that. And you don't get there by stealing from your child.

• 27:10Speaker 03

  Barring.

• 27:11Caleb Hammer?

  Buddy. You haven't put anything back. I don't want to here. Is there an interest rate? Does he, does the kid know about the loan?

• 27:17Speaker 03

  Oh, no.

• 27:18Caleb Hammer?

  Does the kid know about the loan? Has he put an interest rate on it? Because he should.

• 27:20Speaker 03

  No, I figured he was zero percent.

• 27:22Caleb Hammer?

  Right now, he's losing 10% that it should be going into the market, getting to about $40,000 by the time he heads off to college.

• 27:29Speaker 03

  Yeah. I'll throw him a little interest there at the end.

• 27:32Caleb Hammer?

  No, no, I don't believe you. I don't believe you because, because here's the thing, you borrow from your retirement to pay off debt, build it all the way back up, you do a debt consolidation or whatever, build it all the way back up, take from your kid, build it all the way back up. There is no way in any way whatsoever you'd be able to give him interest or more if you even pay back at all, because all you're doing is endlessly trying, you're just quadrupling your debt endlessly because you always transfer somewhere else and then build up the original debt, meaning you're endlessly doubling how much debt you have. And, okay, great. So payroll, um, was this her payroll too? Because this is shit done.

• 28:06Speaker 03

  If that's August, August was a unique month. It was a three paycheck month and I got back pay.

• 28:11Caleb Hammer?

  Oh, wow. Okay. So even still with $7,800 coming in, which normally, again, we're about three, but okay, that's wonderful. What was the outflow?

• 28:19Speaker 03

  I spent it up.

• 28:20Caleb Hammer?

  Everything going out?

• 28:21Speaker 03

  I, I put some of it towards my debt.

• 28:23Caleb Hammer?

  What was the outflow?

• 28:23Speaker 03

  We, uh, all of it.

• 28:24Caleb Hammer?

  What was the outflow?

• 28:25Speaker 03

  I probably spent, if I had a.

• 28:28Speaker 04

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 28:57Speaker 03

  Guess 10,000?

• 28:58Caleb Hammer?

  So, an incredibly strong $7,854 came in via income. $14,554 was the outflow.

• 29:05Speaker 03

  14?

• 29:05Caleb Hammer?

  We still doubled it somehow. You had an incredible pay month and you doubled it! And you didn't even pay back your [bleep] kid!

• 29:13Speaker 03

  Wow.

• 29:14Caleb Hammer?

  What a joke!

• 29:15Speaker 03

  I did not realize it was 14,000. That's crazy. Wow.

• 29:19Caleb Hammer?

  Oh my goodness. So, what have you done? What have you done to try to fix this? By the way, I know the answer because that's a leading question as I was typing the answer. So, you better [bleep] tell me.

• 29:28Speaker 03

  Well, I used the back pay towards a little bit of debt.

• 29:32Caleb Hammer?

  What action? Action?

• 29:34Speaker 03

  Um, I've been working on trying to not eat out as much. That's really my thing. It's not going so well. That's kind of my, uh...

• 29:41Caleb Hammer?

  Oh, you [bleep].

• 29:42Speaker 03

  You know?

• 29:43Caleb Hammer?

  Oh, Mississippi.

• 29:44Speaker 03

  I drive by Chick-fil-A or a McDonald's. You know, I'm from Mississippi, you know? We're not the... Known for our skinniness. So, I drive by Chick-fil-A, it's like I hear it calling.

• 29:52Caleb Hammer?

  You're not like... You're not fat!

• 29:54Speaker 03

  Oh, I'm pretty big. I'm like 210 pounds.

• 29:57Caleb Hammer?

  Well, go stand up and give us a spin.

• 29:59Speaker 03

  I'm hiding it from the... Oh, here. See?

• 30:02Caleb Hammer?

  Okay. Well, it's just because I'm fatter.

• 30:06Speaker 03

  I can probably wear a bra.

• 30:07Caleb Hammer?

  You hold it well in your face.

• 30:09Speaker 03

  Yeah, oh, my face is very round. I used to be really skinny, but...

• 30:13Caleb Hammer?

  Everyone did.

• 30:13Speaker 03

  All these eat now and then having the kid.

• 30:15Caleb Hammer?

  Well, here's the answer. Yeah, you weren't the one that got pregnant. Here's the answer. You begged your friend to make a budget for you.

• 30:22Speaker 03

  I did. He and... He did, and I did not apply any...

• 30:25Caleb Hammer?

  Exactly!

• 30:26Speaker 03

  Well, it was so many...

• 30:26Caleb Hammer?

  So, what the [bleep] could... What I do? I'll tell you. Uh, of course, it could be using the budget nap. However, he downloaded Dollar Wise as well! And then when he saw it costs money... Which, by the way, every budget nap does because every single account you connect costs us money. So, we're not going to literally lose money off of something that we spent hundreds of thousands of dollars to build. So, yes, if you pay a service that saves you hundreds of dollars a year... Yes, I think it's fair to give a little bit of money. Okay, but either way, those are free trial, dollarwise.com. Um, to see if you like it anyway. Did you even do that? No, but then he immediately deleted it. He didn't use the budget that his friend built for him. What the [bleep] can I do? You are a person that steals from your kid. That's not something I can change. You're a thief in the night!

• 31:09Speaker 03

  I just try to take him on a... I want him to live... Have a good childhood, you know? I think... I'll pay him back one day. We'll get there. Eventually.

• 31:18Caleb Hammer?

  And what, what, what here would suggest that you would for me to believe you? You spent double what came in. Double!

• 31:29Speaker 03

  Well, I wanna do better.

• 31:31Caleb Hammer?

  Oh, oh, good!

• 31:32Speaker 03

  That's why I'm here.

• 31:32Caleb Hammer?

  You shut the fuck up and get your teeth straight! That's why you're here. You wanna do better. I wanna do a lot of things. That doesn't mean I'm doing them. You actually have to do in the action. You have to put in the behavior. You have to put in the discipline. I want to do a lot of things, okay? Want is nothing.

• 31:49Speaker 03

  Yeah.

• 31:49Caleb Hammer?

  It is the action. It's the actually putting in the step, putting in a plan. Putting in steps along the way that you must execute.

• 31:56Speaker 03

  Well, I tend to do better with like a deadline, so I figured if I came on here, maybe it would kick me into gear, you know? Give me a little, I severely lack discipline. But if I know there's a follow-up in like six months, I might be more motivated to do better.

• 32:09Caleb Hammer?

  Follow-up by end of year in New York.

• 32:11Speaker 03

  Well, yeah. Maybe I can make it work. Try to budget in the New York trip.

• 32:16Caleb Hammer?

  We'll reimburse that as well. You [bleep].

• 32:19Speaker 03

  Well, good to know.

• 32:20Caleb Hammer?

  But you can also zoom in.

• 32:22Speaker 03

  Oh, well, that's not as exciting.

• 32:24Caleb Hammer?

  No, it's not, but there's a deadline. You wanted a deadline? There it is. Before the end of the year.

• 32:30Speaker 03

  Yeah.

• 32:31Caleb Hammer?

  I'm giving you three months from now.

• 32:33Speaker 03

  Yeah. Another reason I wanna do better, you know, like, we got our back pay a couple of weeks ago. You know, we case mail in the morning and we all talk to each other. Well, some people are like, "Oh, I'm going on vacation here."

• 32:43Caleb Hammer?

  Oh, very good.

• 32:44Speaker 03

  "I'm putting this in this investment account. I'm buying this." And I'm over here thinking, "Oh, I just gotta put it towards debt." And I'm like, you know what? This isn't fun, you know, so maybe-

• 32:54Caleb Hammer?

  You're writing about this put towards debt, but he just literally borrowed from his retirement. Like, what put towards debt are we talking about? Are you obsessed with comparing yourself to your coworkers, especially in Mississippi?

• 33:04Speaker 03

  I just felt left out, you know, like, everybody's over here getting this extra money, gonna have fun, and I've already had my fun, and now it's time to pay for it. You know?

• 33:11Caleb Hammer?

  Yes!

• 33:12Speaker 03

  So I put some of it towards debt, save some of the rest to go towards-

• 33:16Caleb Hammer?

  Don't you wanna go live that life, though?

• 33:18Speaker 03

  Eventually.

• 33:18Caleb Hammer?

  Because it takes a long time to be, well, it doesn't have to, depending on, well, what's your debt situation? How much debt do you have? Outside of the mortgage?

• 33:24Speaker 03

  If I had to guess, I'd say roughly-

• 33:26Caleb Hammer?

  We don't even have the mortgage. You say there's a mortgage, well, we didn't have the mortgage.

• 33:29Speaker 03

  I couldn't get into my account to pull the statements up.

• 33:31Caleb Hammer?

  How much debt do you have outside of your mortgage?

• 33:32Speaker 03

  Outside of the mortgage, including cars, I'd say close to 90,000. Maybe a little more, give or take.

• 33:37Caleb Hammer?

  It's seventy.

• 33:39Speaker 03

  Well, I have two, I have two car loans.

• 33:41Caleb Hammer?

  Something tells me you probably don't have all the debt. Oops.

• 33:44Speaker 03

  The two car loans, between the two car loans, the TSP loan, the other personal loan I got to pay off debt, and my credit cards, I'd probably say I'm around eighty-five.

• 33:54Caleb Hammer?

  Dude, you should be living a good life. You and your wife combined should be living a good life right now. And now she's just going away to try to bail out the family? Which makes no sense, because you've tried to bail yourself out multiple times with consolidations, pulling from retirement, all that good stuff, credit card transfers, taking from your kid, and then you still built up all your debt again. So what's the point of her even doing this? Because your behavior hasn't changed. So if she goes and makes more money, gets benefits, it doesn't actually impact anything, because when more money comes in, you're just gonna spend it and increase your debt limits because the debt to income for the household looks better. Like, the point of her doing this, she thinks she's doing a big thing, and she is, but she doesn't understand that it's actually not gonna fix the root problem. Wanna know a dirty little secret? I know, I'm not starting an only [bleep].

• 34:39Caleb Hammer?

  You're not broke because you suck with money, you just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck, that is bad tracking. And it's exactly why I use DollarWise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings, all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get to try it for free, plus three months for just $9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started.

• 35:12Speaker 03

  Yeah, she's been really getting on to me for that. She, we were arguing the other day, and she was telling me like, she has to leave her son and leave us and our dog to try to help me get out of this one.

• 35:22Caleb Hammer?

  I need to. This is like, what the [bleep]? She sounds like she is just being traumatized right now.

• 35:29Speaker 03

  Yeah, she's-

• 35:29Caleb Hammer?

  By you!

• 35:31Speaker 03

  Yeah.

• 35:31Caleb Hammer?

  How often is she down? Because of you?

• 35:33Speaker 03

  Was she ju- like, down mood?

• 35:36Caleb Hammer?

  Yes.

• 35:37Speaker 03

  Oh, probably every day. She, we argue about something. She's always in a bad mood. I've kinda grown a little used to it, so it doesn't faze me too much, but, you know. She says I stress her out.

• 35:51Caleb Hammer?

  Wow, and this is gonna, there's gonna be lots of longevity in this relationship, isn't there? This really screams.

• 35:58Speaker 03

  Distance makes the heart grow fonder.

• 36:01Caleb Hammer?

  Or it makes her realize that she's happier.

• 36:04Speaker 03

  Yeah, that could happen too. I hope not, but it could.

• 36:09Caleb Hammer?

  Why the f**k did she marry? I'm so confused. If she's literally down every single day, I feel like she's settled and she... Come on, be on, okay. This is gonna be a brutal question. But try to answer from the bottom of your heart and from the bottom of your brain.

• 36:24Speaker 03

  Hit me with it.

• 36:25Caleb Hammer?

  Do you think she's actually sticking around just because of the kids? The kid?

• 36:29Speaker 03

  Potentially. I feel like she does care about me and she wants me to do better.

• 36:33Caleb Hammer?

  I'm sure she has care.

• 36:34Speaker 03

  But she says she's running out of energy.

• 36:35Caleb Hammer?

  Yes.

• 36:36Speaker 03

  She said the day she quits yelling at me is the day that I should worry.

• 36:38Caleb Hammer?

  She yells at you every day.

• 36:40Speaker 03

  Well, she did. She's been gone for a couple of weeks now. I can't talk to her as much. It's more her talking to the kid on FaceTime.

• 36:50Caleb Hammer?

  Dude. That's crazy.

• 36:54Speaker 03

  Yeah.

• 36:54Caleb Hammer?

  That is crazy. The day, I'm not yelling at you, you have to be worried, meaning she yells at you every day, meaning this relationship's and she is sticking around just for the kid. And I'm not saying she doesn't love you, she probably cares for you. But loving someone doesn't mean you're gonna be there forever. Because that, she has to love herself as well, and she's probably, she's like, this relationship's pushing her over the edge. And she might be better off alone. I, I don't want to see you guys break up, especially with a kid being in the household, I really don't. I want you to change this and it get better. But I wouldn't be surprised if she would be better off right now if you weren't there.

• 37:28Speaker 03

  Yeah, she says the same thing sometimes. She, uh, she also gets on to me for my weight.

• 37:33Caleb Hammer?

  In your response to all that.

• 37:35Speaker 03

  Well, I, like I said, I kinda just push it out, you know? I get, I get real anxious about a lot of things, and so when, when we're arguing, I get stressed out, I'm just like, you know, yeah. Me and the kid will go visit my grandparents, we'll go hang out, we'll go do something, you know? Let her cool off, come back, she's in a better mood.

• 37:50Caleb Hammer?

  Dude, this is the least, is it, this is so unhealthy. Do you not know how unhealthy that is?

• 37:57Speaker 03

  Yeah, you know, she's a Vietnamese, you know, they're a little feisty, so...

• 38:04Speaker 03

  I figure that's just how she is.

• 38:07Speaker 03

  I know she wants me to do better, it's just...

• 38:08Caleb Hammer?

  Vietnamese, was she born here?

• 38:10Speaker 03

  Yes, she's from here. Her parents aren't.

• 38:15Speaker 03

  We met serving sushi together at a Japanese restaurant. It's like seven years ago. It's romantic.

• 38:21Caleb Hammer?

  I'm sure she regrets every day since.

• 38:23Speaker 03

  Yeah.

• 38:26Speaker 03

  She might.

• 38:28Caleb Hammer?

  This kid. She loves him.

• 38:31Speaker 03

  Yeah, I love him too. I want to do right by him.

• 38:34Caleb Hammer?

  Let me see a picture of her.

• 38:35Speaker 03

  Of her?

• 38:36Caleb Hammer?

  Yeah, not the kid.

• 38:38Speaker 03

  I got pictures of my dog and my kid. Let me see.

• 38:41Caleb Hammer?

  But you don't have pictures of her.

• 38:42Speaker 03

  I got some in here somewhere.

• 38:43Caleb Hammer?

  Instagram?

• 38:44Speaker 03

  She doesn't post. She doesn't do social media very much. You can see her in my profile picture though.

• 38:53Speaker 03

  That was in the Bahamas last year.

• 38:55Caleb Hammer?

  She's a cutie. I don't understand. I don't understand what the

• 38:58Speaker 03

  She's very, very fit. Very into her fitness. That's why she gets on me about my weight so much. But you know, I eat a lot, so.

• 39:07Caleb Hammer?

  Have you, do you listen to her about anything? Like what the is this dynamic?

• 39:12Speaker 03

  Sometimes.

• 39:12Caleb Hammer?

  She probably feels like she's talking to a brick wall.

• 39:14Speaker 03

  Yes, she has said that. I know, but you know, I feel motivated for a couple of days and then it's just like back to my normal habits and she just, it's like a never ending circle. She just gets on me.

• 39:26Caleb Hammer?

  Dude, but that's not good. That's not good. And listen, I'm not saying like every, every time a spouse has an issue with the spouse, they're a hundred percent right. Obviously not. There are things where it's just like opinion based whatnot. But it sounds like you're not changing literally anything and she's definitely valid in the financial conversation.

• 39:43Speaker 03

  Well, you know,

• 39:44Caleb Hammer?

  You stole from your kid. That is not something we should get over here.

• 39:47Speaker 03

  Borrowed, long term.

• 39:48Caleb Hammer?

  Borrowing from a kid is also disgusting.

• 39:50Speaker 03

  Yeah, I understand.

• 39:51Caleb Hammer?

  From a four year old, that's disgusting.

• 39:52Speaker 03

  Yeah. Well, she, you know, she left, you know, I told you I do a little better with deadlines. So she's like, I want you to get this debt done by the time you're 30. Cause we don't know exactly when we can move to her and everything, so.

• 40:04Caleb Hammer?

  It's a beautiful family.

• 40:05Speaker 03

  I'm trying to do better.

• 40:06Caleb Hammer?

  It's a beautiful family. Your guys' kid, like it's, this is what, you know, this is what people dream of. This is like beautiful and you're fucking it. You're destroying the whole thing.

• 40:15Speaker 03

  Yeah, I want to do better.

• 40:16Caleb Hammer?

  You're destroying the whole thing. We'll put that picture in the video with their faces either blurred or not blurred, depending on the consent that we get after we film. But just the picture itself, I mean, it's just like you have something beautiful and you're destroying it. You're fucking them over in a selfish, disgusting way. How much did you spend going out to eat last month?

• 40:37Speaker 03

  Hmm, $700, $750?

• 40:42Speaker 03

  Well, last month, well, New York would be in there. I would say 1,200.

• 40:46Caleb Hammer?

  $1,214.01.

• 40:48Speaker 03

  Oh, oh, who me?

• 40:53Speaker 03

  Yeah, eating out is my thing.

• 40:55Caleb Hammer?

  That's insane!

• 40:56Speaker 03

  I told you, when I get anxious, instead of like, I don't drink, I don't smoke, I don't vape, I don't zen, I get like a McDouble, a little $6 McDouble meal, some fries, some nugs, Diet Coke. Smooth sailing.

• 41:09Caleb Hammer?

  You had to find other coping mechanisms then, if that's the actual reason.

• 41:13Speaker 03

  Like, yeah, like, I eat my stress away. It's expensive, but you know, I'm kinda like addicted to the fast food at this point.

• 41:19Caleb Hammer?

  No sh**! That's as clear as day?

• 41:21Speaker 03

  Yeah.

• 41:22Caleb Hammer?

  That's another thing that you're just, you're just like, you have to, you have to fight, you have to just... You can do it cold turkey, and it, for a couple weeks, like, it's like, you'll crave it hard. It's not like you have withdrawals like opiates or anything, but you'll crave it extra hard.

• 41:38Speaker 03

  Intensely.

• 41:38Caleb Hammer?

  You'll crave it very hard, absolutely, but two weeks later, that's gone.

• 41:42Speaker 03

  Yeah, I went a week one time without eating any...

• 41:44Caleb Hammer?

  One time?

• 41:45Speaker 03

  One, one, one time without eating fast food, and then, my, uh...

• 41:48Caleb Hammer?

  Dude, as a fat f**k myself, that's insane, one time.

• 41:51Speaker 03

  Well, I grabbed some after work. I had worked 12 hours. I was tired, went through drive-through, and after that, it was like a relapse, you know? Back into the nugs.

• 42:00Caleb Hammer?

  What do you think your financial score is 0 to 10, 0 being the worst, 10 being the best?

• 42:03Speaker 03

  Oh, it's a 0. I took your test.

• 42:05Caleb Hammer?

  Good. If you wanna take that test, it is free. See where you stand, where you need to improve, where you're doing well. Take the assessment at CalebHammer.com. And again, if you do not, like, if you do not wanna be like a guest who ends up on Financial Audit, you gotta sign up for my preferred budgeting app, the one that powers this show and changes tens of thousands of people's lives, the Dollar Wise Budgeting App. Take your free trial today at DollarWise.com. And remember, if you sign up for the annual version, which saves you a lot of money, I'll also sign a budget-friendly cookbook and mail it directly to your door, okay? DollarWise.com. Literally, we have tens of thousands of active users, become one of those. People are changing their lives, and the updates that have been coming out have been incredible. So if you tried it when it first came out versus now, go ahead and, uh, give it another chance. We were adding updates every single week. It's amazing.

• 42:49Caleb Hammer?

  Okay, let's get into this first document. This is the...

• 42:55Caleb Hammer?

  You're lucky your credit line is high, but this balance is This balance is ridiculous. For your income, this is insane. Discover it. Tell me what's going on with this card.

• 43:04Speaker 03

  Um, that was my main card, you know, I put it on the Apple Pay. Made things easy, you know.

• 43:10Caleb Hammer?

  You're double clicking.

• 43:12Speaker 03

  Oh, easy.

• 43:12Caleb Hammer?

  You're just double clicking away this card.

• 43:14Speaker 03

  Tap, tap, tap.

• 43:15Caleb Hammer?

  Your entire future, you paying back your kid, double clicking away.

• 43:18Speaker 03

  Yeah, you can even put it on the watch, so it makes it even easier.

• 43:21Caleb Hammer?

  Dude. Six thousand, eight hundred, seven dollars and sixty-one cents.

• 43:28Speaker 03

  Oh, it got up to eight thousand.

• 43:31Speaker 03

  Since I've sent those statements in.

• 43:39Caleb Hammer?

  Did you even know that, Colton? That's [bleep] crazy. That's [bleep] crazy.

• 43:47Speaker 03

  Yeah, sometimes I take it off the Apple Pay, because I'm like, I gotta quit using this.

• 43:50Caleb Hammer?

  Take it off the Apple Pay permanently, burn it, close the account! You're not a credit card person in any way whatsoever. I don't even, it's not a [bleep] question.

• 43:59Speaker 03

  No.

• 43:59Caleb Hammer?

  Totally got up since you sent the statements, it's insane! What's your new minimum monthly payment?

• 44:04Speaker 03

  Minimum, last time I checked was around, I think it was like eighty bucks?

• 44:08Caleb Hammer?

  No, it's a hundred and sixty here, you [bleep]. And the balance is gone.

• 44:11Speaker 03

  I, I don't really look, I just pay it.

• 44:13Caleb Hammer?

  Hundred and eighty dollars, I'll call it, you don't look, you just pay, let's find out. Doubt? Listen.

• 44:17Speaker 03

  Never had a late fee.

• 44:19Caleb Hammer?

  Before, before the balance went up, before the balance went up, before the balance went up! Minimum monthly payments only, without doing any purchasing, which by the way, oh, you do! This took twenty-eight years to pay off. You tell, you tell me you're giving your kid back their [bleep] money? By the, that was gifted from family and friends? Not you! You're telling me you're paying him back before he's eighteen, but this takes twenty-eight years? Now probably like thirty-five years to pay off if you do not purchase. And oh, you purchased one thousand, two hundred, seventy-six dollars and fifty-two cents of purchases!

• 45:02Speaker 03

  Wow, I did not realize-

• 45:03Caleb Hammer?

  Better be some good memories, you dick!

• 45:06Speaker 03

  I have never had a late fee though. It gets paid. My payment history is 100% on time. I have good credit score, just bad debt.

• 45:15Caleb Hammer?

  You have a decent credit score because the household income's halfway decent and your credit line is huge on here.

• 45:21Speaker 03

  Yeah.

• 45:21Caleb Hammer?

  Huge, but the fact that it is going up, you are halfway to the credit line at 8,000, you, this will be 16 before you know it. And I'm sure you've gotten pretty darn close before you've done consolidation, TSB loan and bullshit and take it from your kids.

• 45:33Speaker 03

  Yeah, that's usually the one I run up the most. I've paid it down a couple of times.

• 45:37Caleb Hammer?

  I'm sure you have, big guy. Oh, I'm sure you have. $139.39 in interest alone this last month, you made your minimum only and then purchased a trillion dollars.

• 45:50Caleb Hammer?

  Shoe Station.

• 45:52Speaker 03

  Oh yeah.

• 45:53Caleb Hammer?

  Wonderful. Game Exchange.

• 45:56Speaker 03

  Yeah, I like to take my nephew in there and he'll buy Pokemon cards and stuff and-

• 46:00Caleb Hammer?

  Who have you? Take care of your cat. Kid, take-

• 46:02Speaker 03

  He gives me like, it's like 10, 12 bucks usually, sometimes 20. He'll give me the cash.

• 46:07Caleb Hammer?

  What, you make a profit off of him? Because this was only 256.

• 46:09Speaker 03

  Oh, well, there's multiple transactions sometimes. It depends on when we go in there. We haven't been in a while.

• 46:15Caleb Hammer?

  Chili's?

• 46:16Speaker 03

  I love triple hippos.

• 46:17Caleb Hammer?

  Chili's? Bamboo? Shoe Station again?

• 46:21Speaker 03

  Hey, the bamboo's for the wife. You gotta keep her happy sometimes.

• 46:23Caleb Hammer?

  She doesn't live with you anymore and if she's lucky, she never will again. Wh-what is the bamboo? What? Because she's Asian, you racist freak?

• 46:32Speaker 03

  It's like the boba tea stuff with the little bubbles and stuff.

• 46:34Caleb Hammer?

  He's racist.

• 46:35Speaker 03

  I don't drink it.

• 46:35Caleb Hammer?

  Let's talk about how phone carriers basically rob us. They charge over 100 bucks a month for service that still drops the second you step into a basement. And we're just like, accepting it, I guess? Not anymore. Today's sponsor, Helium Mobile, is proving the big carriers are a joke. And here's the deal, Helium Mobile uses nationwide 5G plus community-built network. Think of it like Airbnb or Uber, but for cell service. Everyday people help power the network, which means costs stay low without sacrificing coverage. And that is why Helium can offer plans that are radically affordable. We're talking the zero plan for free. For more data, still nowhere near the hundred dollar rip off from the big guys.

• 47:15Caleb Hammer?

  Because they actually reward you for being a customer, you earn cloud points to spend on gift cards for brands you actually want. When's the last time Verizon handed you a Sephora card? Exactly. So ditch the overpriced nonsense. Head to the link in the description below to download the Helium mobile app and enter code Caleb. Let's get back to the episode. You ever try to figure out if your insurance covers something? It's like playing a game of guess who, but every answer is maybe and you still get the bill. But today's sponsor, Ro, is making one part of it way easier. They've got a free tool, yeah, actually free, called the insurance checker. You just upload your insurance info and a few days later, Ro sends you a clear report that shows you which GLP-1 medications your insurance may cover.

• 47:58Caleb Hammer?

  That means no guesswork, no endless phone calls and no need to Google, what does a formulary mean? And even better, you don't need to be a Ro member to use it. And if you do become a Ro member, they walk with you the whole way with licensed professionals, on-demand chat, and a platform that is actually built for real humans. So if you're even thinking about getting started with treatment, start with this. Over 500,000 people have already used Ro to check their coverage and nearly half of Ro members do have insurance coverage for those meds. So go to ro.co/kaleb for your free insurance check. That is R-O dot C-O slash Caleb to see if your insurance covers GLP-1s for free.

• 48:38Caleb Hammer?

  And of course, go to ro.co/safety for box warning and full safety information about GLP-1 medications. Let's get back to the episode.

• 48:46Speaker 03

  That's racist. I'm a Diet Coke. If I'm drinking something, is Diet Coke or water? Not bamboo.

• 48:54Speaker 03

  Hey, it makes her happy, you know?

• 48:55Caleb Hammer?

  Yeah, well, she can probably afford it. You're going and getting on debt that you can't. You said she doesn't have debt. You went into a gas station and got some bullshit that you get in your can, lovely Diet Coke can.

• 49:05Speaker 03

  I usually get the fountain one.

• 49:07Caleb Hammer?

  Dude, this makes no sense because even that, even though that is cheaper than most gas station purchases, you know, most people go in there, get like a $3, $4 Red Bull. But even that is more expensive than this. Dude, get on this, get on this. There's a caffeine version, energy drink, or there's the hydration drink version. The thing is, you use that, the gamer subs, whatever flavor you want. There's like a trillion flavors. I'm sure they probably have a cola flavor, Diet Cola, whatever. I don't know. Get that sh- it is 25 cents a serving. It is like making coffee at home instead of going to Starbucks.

• 49:37Speaker 03

  Okay.

• 49:37Caleb Hammer?

  Do it. Get it now.

• 49:39Speaker 03

  Yeah, I'll give it a go.

• 49:39Caleb Hammer?

  Don't be a moron. This is, it's as easy as day. It's as easy as day. And-

• 49:45Speaker 03

  Okay.

• 49:46Speaker 04

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 50:15Caleb Hammer?

  Okay, how about this? I will get you some free samples. Everyone in the audience gets free samples at the link below.

• 50:20Speaker 03

  Okay.

• 50:20Caleb Hammer?

  And 10% off if you decide to purchase the whole 25 cents a serving tub. Okay?

• 50:24Speaker 03

  Yeah, I'll give it a go.

• 50:25Caleb Hammer?

  So find the flavor you want. Do that instead of the stupid bullsh- stopping at gas stations and getting guns.

• 50:30Speaker 03

  Okay.

• 50:30Caleb Hammer?

  Stop, okay?

• 50:32Speaker 03

  Sure.

• 50:32Caleb Hammer?

  It's ridiculous. You just can't afford it. Oh, fuck. You recently bought an AR- AR-15. Not really thrilled when I see a blue eyed dude buying an AR-15.

• 50:48Speaker 03

  Yeah, it was a gift to myself. A few months ago, I, uh, I've been wanting one, you know? All the crazy stuff, they just get more expensive every time someone crazy happens. So I was like, ah, let me go ahead and get it. It's mounted, it's mounted on my wall.

• 50:58Caleb Hammer?

  You gifted it to yourself?

• 51:00Speaker 03

  Yeah.

• 51:00Caleb Hammer?

  Please tell me you're not gifting the bullets to anyone soon.

• 51:02Speaker 03

  Oh, no, no, no. We just go up to range.

• 51:04Caleb Hammer?

  People be writing messages on them these days.

• 51:06Speaker 03

  No, no, no. We have a range up in the woods up the road and we go up there and shoot. It's free, so.

• 51:11Caleb Hammer?

  What? Yeah, but the AR-15 and ammo, isn't? How much was that?

• 51:14Speaker 03

  Uh, it was on sale. It was like 550 before tax. Bullet, I spent like 100, 200.

• 51:19Caleb Hammer?

  You couldn't give that to your fucking kid, you asshole?

• 51:21Speaker 03

  Yeah.

• 51:22Caleb Hammer?

  You asshole. What is wrong with you?

• 51:24Speaker 03

  I actually bought my brother and it won too, at the same time. I don't know if it's on there or not, but yeah, we got two at the same time. He wa- he, he couldn't do it and I was like, you know.

• 51:35Caleb Hammer?

  You can't do it!

• 51:36Speaker 03

  I know.

• 51:36Caleb Hammer?

  You owe your kid money!

• 51:38Speaker 03

  I know. Looking back at him, like, yeah, that wasn't too smart, but I was feeling generous, you know?

• 51:46Caleb Hammer?

  Oh my Oh my Dude, this is insane. Burger King? Burger King, you stopped in and got some bullshit for $5.55?

• 51:56Speaker 03

  It's on my mail route, it's right there.

• 51:58Caleb Hammer?

  What Burger King?

• 51:59Speaker 03

  I really don't like Burger King, but it's-

• 52:01Caleb Hammer?

  No one does.

• 52:01Speaker 06

  Speak for yourself, motherfucker!

• 52:03Speaker 03

  It's Burger King or Papa John's and it's not that great of options.

• 52:07Caleb Hammer?

  No, it's not, so do neither. Pack yourself a sandwich, you freak.

• 52:10Speaker 03

  I did recently learn there's a Popeyes on my route, I do like Popeyes. I deliver on military base, so I went to the other side of the base and, you know, so I'm trying not to go to Burger King anymore. I don't think anybody really likes Burger King.

• 52:25Caleb Hammer?

  No! But the French toast sticks before, what, 11 or great?

• 52:29Speaker 03

  I like the little cinnamon things. Little cinnamon bon. The cinnamon bon's my weakness, okay? Every time I'm in New York-

• 52:36Caleb Hammer?

  You're gonna get fat!

• 52:38Speaker 03

  I'm there.

• 52:38Caleb Hammer?

  You're chunky, you're not like obese. You're definitely overweight.

• 52:42Speaker 03

  Yeah.

• 52:42Caleb Hammer?

  You might be obese, light scale.

• 52:43Speaker 03

  I think on the medical, like, medical term, yeah, I'm morbidly obese.

• 52:49Caleb Hammer?

  You're not morbidly obese!

• 52:50Speaker 03

  It says I should be like 155. I'm like 5'9", 210 pounds. I think I have a lot of visceral fat. That's what my wife says.

• 52:57Caleb Hammer?

  If you're 5'9", 210, you're obese.

• 52:58Speaker 03

  Yeah. I'm a short king.

• 53:00Caleb Hammer?

  No, you're an average king, as I am 5'9". We are the average American male in the United States, thank you very much.

• 53:07Speaker 06

  Today, we're finally driving the truck.

• 53:09Caleb Hammer?

  5'9" is the literal average. Okay? Now listen here, Mr. Frodo, don't get short with me.

• 53:17Caleb Hammer?

  Also, the average is 10 pounds lighter than you, so just get there and you'll be fine. And then you'll actually be overweight.

• 53:23Speaker 03

  Yeah.

• 53:23Caleb Hammer?

  You'll go from obese to overweight at about 200 pounds at 5'9".

• 53:26Speaker 03

  I was 220, but I took myself off my, uh, Lexapro. It dropped me 10 pounds. I was on the, for my anxiety and stuff, and I just didn't want to take it anymore, so I stopped.

• 53:37Caleb Hammer?

  Is your anxiety worse?

• 53:38Speaker 03

  Oh, yeah.

• 53:39Caleb Hammer?

  Okay.

• 53:40Speaker 03

  But I don't like that stuff, it makes me feel funny.

• 53:42Caleb Hammer?

  Sure.

• 53:43Speaker 03

  I'm pretty sure there's a correlation between that-

• 53:44Caleb Hammer?

  But you know what makes you feel funny? You talk to your doctor and you find one that works with you better.

• 53:49Speaker 03

  Yeah, but then I get anxious about taking new medicine. It's just a whole ordeal.

• 53:52Caleb Hammer?

  I, actually, I, I, I do get that. I go through that. You stopped and got a gas station, bullshit, $5.55? Gamer subs, asshole. Get your free trial. Okay, that one's gas, the next one, I think. And then Domino's, stopped in, got some bullshit, stopped in, got some bullshit, dude, this makes no sense. This makes so no fucking sense.

• 54:15Caleb Hammer?

  Frugal's, but you're not.

• 54:17Speaker 03

  Yeah, that's a grocery store.

• 54:18Caleb Hammer?

  Yeah, but you stopped in and got something for 13 bucks. I doubt you got groceries asshole.

• 54:21Speaker 03

  Yeah, we were making red beans and rice at my grandpa's house and I needed the.

• 54:25Caleb Hammer?

  The sound, the sound.

• 54:27Speaker 03

  Yeah, I went to see a Skillet concert.

• 54:30Speaker 03

  You know, Skillet? They're from like 1996.

• 54:35Speaker 03

  They're still around. It's like a Christian rock band. Really good. Recommend the show. They put on a great show. My dad and I went.

• 54:45Caleb Hammer?

  The Salt Sand BBQ, Panda Palace buffet, 75 bucks, GameStop. It's a rarity.

• 54:53Speaker 03

  GameStop.

• 54:53Caleb Hammer?

  Baio View Quick Stop. Well, he went and got some bullshit. Japanese Express, Popeyes. Well, he found it on his route. Waffle House stopped in and got some bullshit. GameStop's asshole. 25 cents to save, serving. And Jimmy John's.

• 55:09Speaker 03

  Yeah, I like Jimmy John's. Better than Subway.

• 55:11Caleb Hammer?

  Everything is. There is not one restaurant that is not better than Subway.

• 55:15Speaker 03

  Well, I used to have a Subway on my route and I could eat lunch there for free.

• 55:18Caleb Hammer?

  That's terrorism, okay? That's terrorism.

• 55:21Speaker 03

  It was awful.

• 55:22Caleb Hammer?

  It's horrible. It's the worst restaurant ever created. I don't know how literally anyone goes there. Yeah, I mean, 400 hours in interest this year so far at the time of the statement, and we know the balance is higher now at a 25.24% interest rate.

• 55:35Speaker 03

  Yeah.

• 55:36Caleb Hammer?

  Now, if you do have health anxiety, the question is, why are we coping with fast food? Because that makes your health worse in every way. Because being fat.

• 55:43Speaker 03

  Mm-hmm.

• 55:45Caleb Hammer?

  Myself, I got about five pounds on you. Okay, I'm a little way down, but got about five. Okay? Gotcha. Uh, thank you. Always, always, yep. But

• 55:57Caleb Hammer?

  that, being healthy decreases anxiety. It decreases like almost every bad mental health thing in general typically.

• 56:04Speaker 03

  Yeah, the few times I've tried to exercise, I get my heart rate up and it feels like my heart starts skipping and I get real anxious and I'm like, nope.

• 56:10Caleb Hammer?

  I know that as someone that literally goes through that, that means that that is clearly something. So what happens in that moment, uh, as, you know, I've gone through like, uh, panic disorder therapy for quite a while and, um, I can actually recommend. For someone for you if you'd like, but um he's on insurance, so it works.

• 56:29Speaker 03

  Yeah.

• 56:29Caleb Hammer?

  Uh, that is clearly, you just start freaking out about that. You like notice that, then you think about it. And then your mind goes to the worst of the worst instead of what you should be just telling yourself is, oh, this is normal. I'm working out. This is not a bad thing. I'm not in danger. And you just have to sit through the anxiety and the anxiety goes away. The only way unfortunately to get through a panic attack, I'll tell you is to literally just sit and wait.

• 56:51Speaker 03

  Yeah, it's awful.

• 56:52Caleb Hammer?

  The only way without medicine. Um, there is no running to go fix it. There is no fast food to go fix it. The only way to do it is to sit in and let it go. Okay?

• 57:02Speaker 03

  Yeah.

• 57:04Caleb Hammer?

  So work out, let the heart rate go high. And when you get anxious about it, tell yourself it's normal and there's nothing wrong.

• 57:10Speaker 03

  Yeah, I'll give it a go.

• 57:11Caleb Hammer?

  You just have to go through the process and make sure you take control of your breathing.

• 57:14Speaker 03

  Yeah.

• 57:14Caleb Hammer?

  I can get you a guy if you want.

• 57:16Speaker 03

  Yeah.

• 57:17Caleb Hammer?

  He's really good.

• 57:20Caleb Hammer?

  Uh, Kessler Federal Credit.

• 57:24Speaker 03

  It's a Kessler.

• 57:24Caleb Hammer?

  For some reason, Kessler, wonderful. For some reason, he cannot figure out how to send this statement over, dot, dot, dot. He may be stupid.

• 57:32Speaker 03

  Yeah, no, when I pull up my, from my Kessler, that's our federal credit union.

• 57:37Caleb Hammer?

  Oh, and this also went up since you literally spoke to Colton last.

• 57:41Speaker 03

  Well, you see this phone right here? The battery's shot, right? So I have to keep it on this thing or it'll be dead in an hour. So I got me a iPhone 17 Pro Max in orange.

• 57:53Caleb Hammer?

  Me too, cuz I can afford it asshole.

• 57:56Speaker 03

  Yeah, well, you know, I got T-Mobile and they give me.

• 57:58Caleb Hammer?

  Me too.

• 57:59Speaker 03

  They give me good trading.

• 58:00Caleb Hammer?

  Asshole.

• 58:01Speaker 03

  Yeah.

• 58:02Caleb Hammer?

  Trade in, that means you owe on it. Come on.

• 58:04Speaker 03

  Well, yeah, but it's only like $25 a month.

• 58:07Caleb Hammer?

  A month for F.

• 58:08Speaker 03

  For two, two years.

• 58:09Caleb Hammer?

  Yes.

• 58:10Speaker 03

  But I paid like 700 bucks for this phone and I couldn't get it like that selling it.

• 58:14Caleb Hammer?

  Can you at least pull this up on your phone? Your special phone? Do you have an app?

• 58:18Speaker 03

  Yeah, I can show you. I know the balance is three.

• 58:20Caleb Hammer?

  Show me now. You are not a credit card person. Use the FIS card debit card that builds credit. That's all I can trust you with. Other than that, you need to close these accounts, man.

• 58:28Speaker 03

  Should be like 3,500 bucks.

• 58:29Caleb Hammer?

  That is it.

• 58:32Speaker 03

  It's mainly.

• 58:32Caleb Hammer?

  Pull up the [__] up!

• 58:33Speaker 03

  It's mainly just Chick-fil-A and.

• 58:36Caleb Hammer?

  A good southern boy.

• 58:37Speaker 03

  My car insurance, you know, so I've been trying to, you know, pay other things. So I let the car insurance charge to that card and I just pay the minimum.

• 58:44Caleb Hammer?

  I get it. Chick-fil-A is good. Get the grilled sandwich. It's better. For you.

• 58:48Speaker 03

  You could take it off the charger if you need to, it's just, it has about an hour and it'll be dead.

• 58:53Caleb Hammer?

  Three thousand five hundred seventy-four dollars and eighty-three cents. That is what it's owed on here.

• 59:00Caleb Hammer?

  With a minimum...

• 59:02Speaker 03

  Should be like ninety-something if I had to guess.

• 59:05Caleb Hammer?

  Well, you couldn't guess the last one, so I don't think I believe you.

• 59:08Speaker 03

  If you back up one screen.

• 59:11Caleb Hammer?

  You back up.

• 59:12Speaker 03

  And then scroll down. I think my mortgage just pulled out there too.

• 59:17Caleb Hammer?

  Yeah, where?

• 59:18Speaker 03

  Keep going. Yeah.

• 59:20Caleb Hammer?

  This one?

• 59:20Speaker 03

  Yeah, you should say a minimum down there under the numbers.

• 59:22Caleb Hammer?

  Ninety-two, you were actually somehow right on this one and horribly wrong on the last.

• 59:26Speaker 03

  I pay them all, I just don't look at them because they change each month.

• 59:29Caleb Hammer?

  Okay. Chick-fil-A! Today!

• 59:35Speaker 03

  Uh, last night. It's just pending.

• 59:38Caleb Hammer?

  What about your kid? Is he not eating everything you eat?

• 59:40Speaker 03

  Oh no, he wanted Chick-fil-A. He loves the spicy chicken sandwiches.

• 59:43Caleb Hammer?

  Doesn't matter what he likes though, it doesn't, or what he wants. It's your kid, you want him to go down that same house situation as you?

• 59:48Speaker 03

  Yeah, I've thought about that. He's just, he's at that age where he's so picky and like, he'll literally not eat if I don't get him. You may have to scroll back up. I got a cheap-

• 59:56Caleb Hammer?

  Where's the screen recording?

• 59:58Speaker 03

  Uh, I can add it on there for you real quick if you want. They, um, I got a cheap screen put in this thing, I think that's what fried the battery in it.

• 1:00:06Caleb Hammer?

  Got a cheap screen put in?

• 1:00:08Speaker 03

  Yeah, because my screen went out like six months ago, and I went to the guy at Walmart, and he put-

• 1:00:13Caleb Hammer?

  At Walmart, not Apple!

• 1:00:15Speaker 03

  No, because Apple was three hundred and thirty dollars.

• 1:00:17Caleb Hammer?

  You didn't have Apple Care?

• 1:00:18Speaker 03

  No, because I don't, I don't ever get Apple Care.

• 1:00:21Caleb Hammer?

  Well, maybe you learned your lesson?

• 1:00:22Speaker 03

  Yeah, because he put a LCD instead of the OLED and it's ruined that phone.

• 1:00:26Caleb Hammer?

  And now, because you didn't get Apple Care, you're getting a seven hundred dollar phone. Chick-fil-A! Chick-fil-A! Chick-fil-A! It's every day by the way. There's State Farm, Chick-fil-A! A Mississippi emergency?

• 1:00:38Speaker 03

  Oh, yes, I actually ended up in the emergency room, uh, a few weeks ago. I had real bad sinusitis, is what the doctors told me in my sinuses.

• 1:00:46Caleb Hammer?

  Did you just call me sinusitis?

• 1:00:48Speaker 03

  That's what they called it, so my sinuses are all inflamed, but-

• 1:00:50Caleb Hammer?

  Is this contagious asshole?

• 1:00:52Speaker 03

  No, no, no, no, no. It's a, it's more of like a long-term thing. I just have to deal with it. It's like allergies really bad. They put me on a bunch of meds and, but I was so short of breath and wheezing-

• 1:01:00Caleb Hammer?

  I know you love those.

• 1:01:01Speaker 03

  So they made me go to hospital.

• 1:01:02Caleb Hammer?

  You sure you weren't having a panic attack?

• 1:01:04Speaker 03

  No, I'm sure.

• 1:01:07Speaker 03

  I can usually tell the difference.

• 1:01:09Caleb Hammer?

  Chick-fil-A, Chick-fil-A. Well, that's usually the thing is you can't. That's why it's on.

• 1:01:13Speaker 03

  Chick-fil-A is the one I have. I have that card linked to the app.

• 1:01:16Caleb Hammer?

  Chick-fil- delete the app, motherf- delete the app.

• 1:01:20Speaker 03

  Yeah, I think about it. It's like McDonald's. I have to delete the app probably 100 times and then when I want it-

• 1:01:24Caleb Hammer?

  Throw away your phone.

• 1:01:25Speaker 03

  I just re-download it.

• 1:01:27Speaker 03

  T-Mobile actually downloads it quick. So you know, if I get off work, I'm like, oh, I want it. And I deleted it. I just, it's ready by the time I get there.

• 1:01:32Caleb Hammer?

  Oh, we love Chick-fil-A more than our kid. That's great. Chick-fil-A, Chick-fil-A, Chick-fil-A, Chick-fil-A, Chick-fil-A.

• 1:01:39Speaker 03

  I don't really use that card. That's why that's all you see.

• 1:01:41Caleb Hammer?

  Yeah, you don't really use it. Chick-fil-A every day. Shut the f- up. This is insane. Chick-fil-A. Let's, let's, let's see what else is going on here. While we're on here.

• 1:01:52Speaker 03

  Yeah, go ahead. Oh, okay. Before you go through those, I'm on the same account as my mom. The only subscription-

• 1:01:58Caleb Hammer?

  Apple Music, Google Photos, iCloud Plus, Net Short.

• 1:02:01Speaker 03

  The only subscriptions I have on there is-

• 1:02:04Caleb Hammer?

  Yeah, and when you delete it a dollar wise, you f-

• 1:02:06Speaker 03

  Yeah. Well, it was really laggy. I talked, when I talked to Colton, yeah, he said y'all fixed it. So I actually re-downloaded it.

• 1:02:13Caleb Hammer?

  We came up with, uh, uh, we fired our whole external team that essentially built it and we bought them out and now we bought in like top players from the budgeting app field. We stole people and now we're on track to make the best budgeting app by your send.

• 1:02:26Speaker 03

  None of those are gonna be mine. It's just music and the Google Photos for my, that's where I back up all the pictures of my kid and my dog and my wife. Can't forget her.

• 1:02:34Caleb Hammer?

  She's last.

• 1:02:35Speaker 03

  Oh, okay. And with that Amazon app, there's about eight of us that use it. So just a heads up.

• 1:02:40Caleb Hammer?

  How do I know?

• 1:02:41Speaker 03

  Uh, I can tell you which ones are mine. If you see all the phone cases that are returned.

• 1:02:44Caleb Hammer?

  So you're just buying phone cases. Like a passion hobby.

• 1:02:47Speaker 03

  I couldn't decide. I returned them. Got a different one.

• 1:02:50Caleb Hammer?

  Oh, okay. I don't know.

• 1:02:52Speaker 03

  Yeah, we, we all split the Amazon account to save the money on paying for the Prime.

• 1:02:58Speaker 03

  But I hear they're talking about changing that to where it can only go to one address, so that might mess that up. I saw it on Facebook the other day, don't know if it's true.

• 1:03:05Caleb Hammer?

  I would not trust what I see on Facebook.

• 1:03:06Speaker 03

  It's kinda like Netflix, how you can only sign in on...

• 1:03:08Caleb Hammer?

  Yeah, but that doesn't make sense. I order things to the office, I order things to home.

• 1:03:11Speaker 03

  That's what we said when we were talking about it in our group chat.

• 1:03:15Caleb Hammer?

  It's always good throwing Facebook information around in a group chat. It's always very reliable.

• 1:03:21Speaker 03

  Yeah.

• 1:03:22Caleb Hammer?

  Disney Rewards, wow, you said you went to Disney, right?

• 1:03:25Speaker 03

  Yes, I got that one last year to get a discount on the park tickets.

• 1:03:29Caleb Hammer?

  Uh huh.

• 1:03:30Speaker 03

  It's easy to get them, cause my credit was around the 800s at the time. I think when I bought my Tesla, it was at 800...

• 1:03:36Caleb Hammer?

  You have a Tesla?

• 1:03:37Speaker 03

  Yes, I have a Tesla and a truck.

• 1:03:39Caleb Hammer?

  What?

• 1:03:39Speaker 03

  Well, they're both in my name. One's for my wife, one's for me.

• 1:03:41Caleb Hammer?

  Which one?

• 1:03:42Speaker 03

  Um, the first Tesla is hers, and then...

• 1:03:47Caleb Hammer?

  The first Tesla?

• 1:03:47Speaker 03

  I had, I had bought Mia a Tesla before I bought my truck, and after like 3 weeks, I was like, I don't like this thing, so I traded it in and got my truck.

• 1:03:54Caleb Hammer?

  Which one?

• 1:03:55Speaker 03

  Uh, I got a Model 3, I think I was a little too...

• 1:03:57Caleb Hammer?

  You didn't like the Model 3?

• 1:03:58Speaker 03

  No, I was a little too big for it, it was a little tight.

• 1:04:00Caleb Hammer?

  You want the Y?

• 1:04:01Speaker 03

  I love her Model Y, yeah, that's what she has. It's in my name, and I pay for it, but it's her car.

• 1:04:06Caleb Hammer?

  You pay for it?

• 1:04:07Speaker 03

  Yes, I pay both the car payments, cause she pays for the daycare.

• 1:04:11Caleb Hammer?

  Uh, this is so weird. $2,632.42 on here. Minimum monthly payment, $66. 10 years! Minimum monthly payments only, without purchasing. Oh, we purchased. Oh baby, we purchased, $1,341. 40 cents... Or $40.61 of interest accrued. That's just moronic, so what's, so you opened this to go to Disney?

• 1:04:36Speaker 03

  Yes, I used it when we were over there.

• 1:04:37Caleb Hammer?

  How much did Disney cost last year? Cause that's not what we're spending on now.

• 1:04:40Speaker 03

  Well, the cruise actually was free on that trip. So, we went to Disney the week before, so my, all my expenses from that trip were just from New York and Disney. The cruise, I only spent $50 the whole cruise. Cause it was all comped out from the casino. So... Disney, I'd probably say 2 grand? Between eating and snacks, and of course, my kid had to get toy, you know?

• 1:05:02Caleb Hammer?

  Yeah, cause you listen to him for everything and then drain all his savings, that's wonderful, that's great parenting. Uh, Japanese Express, Santico's Grand Dib, Jimmy John's Water Burger, going in and getting some bullshit...

• 1:05:15Speaker 03

  Water Burger.

• 1:05:16Caleb Hammer?

  Cots, delicious and...

• 1:05:20Caleb Hammer?

  Toys Pizza.

• 1:05:21Speaker 03

  Katz Deli, that's in New York.

• 1:05:23Caleb Hammer?

  Hot Pot.

• 1:05:24Speaker 03

  Have you been to New York yet?

• 1:05:25Caleb Hammer?

  Mm-mm.

• 1:05:26Speaker 03

  Okay, when you go, you gotta go straight to Katz. It's well.

• 1:05:28Caleb Hammer?

  I've heard of it.

• 1:05:29Speaker 03

  It's pastrami.

• 1:05:30Caleb Hammer?

  Ding Tai Fung.

• 1:05:31Speaker 03

  Ding Tai Fung.

• 1:05:32Caleb Hammer?

  Careful.

• 1:05:33Speaker 03

  Yeah. And you gotta go there too, it's great.

• 1:05:36Caleb Hammer?

  Hold on, that was almost racist. Raising Canes. No, we love racism, don't we? You do, you're from Mississippi.

• 1:05:43Speaker 03

  I'm not racist.

• 1:05:44Caleb Hammer?

  I'm a fake, I like it in a fake way.

• 1:05:46Speaker 03

  My kid's fifty-fifty, I'm not racist.

• 1:05:48Caleb Hammer?

  Did you just pull "I have a black friend" on me?

• 1:05:50Speaker 03

  I have a few.

• 1:05:54Speaker 03

  No, I don't do color. Everybody's equal. Had to clear that one up.

• 1:06:01Caleb Hammer?

  He doesn't do color.

• 1:06:03Speaker 03

  Look, I'm from South Mississippi, not North Mississippi, okay?

• 1:06:06Caleb Hammer?

  That means nothing.

• 1:06:07Speaker 03

  There's a very big difference. If people from there, they'll understand.

• 1:06:10Caleb Hammer?

  What about the gays? You probably hate the gays.

• 1:06:12Speaker 03

  No, I got nothing against gays.

• 1:06:14Caleb Hammer?

  I hope not, because Colton's a gay right next to us.

• 1:06:17Speaker 03

  No, they don't bother me. It doesn't affect me, so don't. Don't even think about it.

• 1:06:22Caleb Hammer?

  Colton, do you feel homophobia coming from him as radiating homophobe? No. Okay, you've been given the pass.

• 1:06:29Speaker 03

  Appreciate it.

• 1:06:30Caleb Hammer?

  Not yet.

• 1:06:30Speaker 03

  No, no. I don't judge people for that stuff. I promise, I promise.

• 1:06:37Caleb Hammer?

  Quicksilver, what's going on with this?

• 1:06:39Speaker 03

  Quicksilver. Um. I haven't used it as much in a while, I got the Saber One card.

• 1:06:45Caleb Hammer?

  Right, that's why instead of spending fifteen hundred dollars on this card, like all the other cards, you only spent two hundred fifty-six.

• 1:06:50Speaker 03

  Yeah. I don't use it as much. I gotta put something on there, because.

• 1:06:53Caleb Hammer?

  You gotta, I just gotta.

• 1:06:55Speaker 03

  It can't, you know that I was always told to use it for something?

• 1:06:59Caleb Hammer?

  No, you could not spend on it for at least a few months, you'll be fine.

• 1:07:03Speaker 03

  Okay, I didn't want them to just randomly close it one day.

• 1:07:07Speaker 03

  You know, and shut me down.

• 1:07:08Caleb Hammer?

  Dude, I want you to close all your cards, you can't be trusted with them.

• 1:07:11Speaker 03

  Yeah.

• 1:07:11Caleb Hammer?

  Yeah, it'll fuck your credit, but you already have a house anyway, so why do you care? And the thing is, it doesn't matter, because this is a tool, credit cards are a tool, but let's say it's a hammer. A hammer's meant to put in a nail, right? Put a nail in. But if every time you use that tool, you're swinging back and hitting yourself in the eye, don't pick up a hammer! You can't use credit cards, you're not a credit card person, dude.

• 1:07:30Speaker 03

  No, I'm not. It used to be, but that's a long time ago.

• 1:07:33Caleb Hammer?

  And that doesn't matter then, because if you were a piece of shit a long time ago, but you're not now, I also wouldn't judge.

• 1:07:38Speaker 03

  Yeah.

• 1:07:38Caleb Hammer?

  I judge on what you're doing today, and what you're doing today is.

• 1:07:42Caleb Hammer?

  Six years. This is the shortest year, years to pay off a credit card. And it's six years.

• 1:07:48Speaker 03

  I just, I, I don't even know what's on that one at this point.

• 1:07:50Caleb Hammer?

  And you tell me you're gonna put back in money for the kids.

• 1:07:54Speaker 03

  I will.

• 1:07:54Caleb Hammer?

  In what way, through everything we've looked at so far, and we're not done yet?

• 1:07:59Speaker 03

  I gotta do the snowball. Start with the small ones and build it up.

• 1:08:03Caleb Hammer?

  Okay, great. You know the snowball method exists. I'm thrilled. In what way, through everything we're looking at, suggests you're gonna ever pay him back by the time these are paid off? You've spent on every single one. The longest one takes like 35 years to pay off. In what way are you telling me you are gonna put money back in his account? Which should be about $40,000 by the time he is 18 in 14 years.

• 1:08:25Speaker 03

  Yeah.

• 1:08:26Caleb Hammer?

  Uh huh.

• 1:08:26Speaker 03

  I may have to stop at some point. Pay the minimums and just pay him first. Just to make it right.

• 1:08:32Caleb Hammer?

  Cause it wasn't your money to begin with. You didn't put it there. Your family and friends.

• 1:08:35Speaker 03

  Only about half of it. I'd say half was from me, half was from them, over the years.

• 1:08:40Caleb Hammer?

  Lucky he has a mother.

• 1:08:41Speaker 03

  Yeah, she's a good mom.

• 1:08:42Caleb Hammer?

  Yeah, it sounds like it. She's going and signing up for the military to get free schooling and everything just to take care of her family. Cause her husband won't.

• 1:08:50Speaker 03

  Yep, that's what helps motivate me to do better. It's my goal, I wanna do better.

• 1:08:54Caleb Hammer?

  Maybe. My motivation would be, I wanna make sure she doesn't get [bleeped] by a dude on the base, which always happens.

• 1:09:00Speaker 03

  Hey, if a tree falls in the forest and nobody sees it, did it really fall?

• 1:09:04Caleb Hammer?

  Was that the conversation you guys had? You're okay with having sex?

• 1:09:08Speaker 03

  No, I...

• 1:09:08Caleb Hammer?

  Are you guys open? Open's okay, if it's established.

• 1:09:11Speaker 03

  No, but you know, I just, happy life, happy life.

• 1:09:14Caleb Hammer?

  You're okay with her getting [bleeped]?

• 1:09:16Speaker 03

  I wouldn't say that specifically, but you know, I'd be like upset, obviously, but... You know, I'm so down in the dirt with her, you know, I wouldn't... I wouldn't be surprised.

• 1:09:27Speaker 03

  Or she's gonna kill me.

• 1:09:28Caleb Hammer?

  That's crazy.

• 1:09:29Speaker 03

  No, she really wouldn't do that to me, but she said...

• 1:09:31Caleb Hammer?

  Maybe, I don't know.

• 1:09:33Speaker 03

  No, her, no, she...

• 1:09:33Caleb Hammer?

  She said what?

• 1:09:34Speaker 03

  She would never do that. She, um... She said when she quits yelling at me is when I should worry.

• 1:09:40Caleb Hammer?

  Yeah, we heard that one already.

• 1:09:41Speaker 03

  Yeah, she's still yelling.

• 1:09:42Caleb Hammer?

  But she's not there anymore.

• 1:09:44Speaker 03

  Yeah, just a few weeks ago.

• 1:09:45Caleb Hammer?

  Have you cheated?

• 1:09:46Speaker 03

  No, I would never cheat.

• 1:09:47Caleb Hammer?

  Cause you seem so nonchalant about this.

• 1:09:48Speaker 03

  No, no, no, I'm not, I don't cheat. Never. Never have, never will. I do love her. I want to do better. I want to do right.

• 1:09:57Caleb Hammer?

  You don't. You don't put any action in.

• 1:09:59Speaker 03

  Yeah, I'm going to.

• 1:10:01Caleb Hammer?

  Hi, listen here, financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Weebull. Do the same and transfer to my investing app of choice and you get cash bonuses of $200 all the way up to $30,000 depending on initial funding amount and up to 8.1% APY on your money and up to 3.5 matches for your IRA. And then number two, a great new checking account that I've switched over from SoFi and it's called Chime. Get that $550 bonus

• 1:10:43Caleb Hammer?

  when you sign up with direct deposit and get almost 4% on your money just sitting there. And then three, automate your investing with Acorns. Usually sign up incentives are only five bucks, but you get $20 with my link. Number four, you can increase your income and boost your resume with a course career certification. Five, if T-Mobile is good in your area, switch to Helium and get a literal $0 a month phone plan for the same exact service. But most importantly, go get your free Hammer financial score and see where you stand in the world of finances. Take the assessment at CalebHammer.com. You will not regret any of these change your life today.

• 1:11:21Speaker 03

  It's like a turning.

• 1:11:21Caleb Hammer?

  Okay, that means nothing. You've done nothing. That means nothing. Saying I'm going to do something, but you never have or put any kind of, like if there was a behavioral change of indication that I'm seeing in here, that would suggest that you'll go further down the chain of back. Okay, maybe, but no, this was all [bleep] dude. This is a [bleep] you stole from a four-year-old. Come on.

• 1:11:40Speaker 03

  Borrowed. Long-term borrow.

• 1:11:43Caleb Hammer?

  $27 minimums payment balance $960. Borrowed is borrowed if you pay back. You're not paying back.

• 1:11:50Speaker 03

  I will eventually.

• 1:11:51Caleb Hammer?

  I don't believe that based on this. I really don't. $256 purchase, 75 cents.

• 1:11:59Caleb Hammer?

  Let's see. Interest charge $18.31.

• 1:12:05Caleb Hammer?

  He had a service fee on here for utilities.

• 1:12:08Speaker 03

  Yeah, they charge that.

• 1:12:09Caleb Hammer?

  When you put it on a credit card, right?

• 1:12:11Speaker 03

  I don't do auto pay for anything, so I do it-

• 1:12:14Caleb Hammer?

  Those are Spirit Airlines!

• 1:12:15Speaker 03

  Spirit, yeah, that's probably New York.

• 1:12:17Caleb Hammer?

  Travel card group?

• 1:12:19Speaker 03

  It's cheap.

• 1:12:20Caleb Hammer?

  At a 24.24% interest rate.

• 1:12:25Caleb Hammer?

  Capital One said-

• 1:12:27Speaker 04

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 1:12:56Caleb Hammer?

  Favor card, what's going on with this?

• 1:12:58Speaker 03

  Um, they just, they sent me a promotion saying I could get it. I was like pre-approved, it's got a little bit better cash back than the Quicksilver, so-

• 1:13:05Caleb Hammer?

  Dude, you are, you are not making that math work at all. Cash back? What are you talking about? You were losing so much more in interest than any cash back. At best, you're getting 5%, but you're still losing 25% on interest.

• 1:13:15Speaker 03

  I see that now, I figured that out recently. I used to just look at, you know, "Oh, I'm getting cash back." No, a few weeks ago. You know, I really started looking at the bigger picture.

• 1:13:24Caleb Hammer?

  I'm also being told you spent a shit ton on like figurines, collectibles, Pokemon cards, lightsabers.

• 1:13:28Speaker 03

  Yeah, back in like January, you know? I was feeling anxious, you know, I like spending money and stuff, so I went on a- Well, you know, I have a three bedroom house.

• 1:13:38Caleb Hammer?

  Goodness, pause. Pause.

• 1:13:40Speaker 03

  Go ahead.

• 1:13:45Speaker 03

  What does that say?

• 1:13:45Caleb Hammer?

  Can you guys even see this?

• 1:13:46Speaker 03

  Does that say eBay on there?

• 1:13:48Caleb Hammer?

  It's all McDonald's. There is not one in here that is not McDonald's.

• 1:13:52Speaker 03

  90% of that-

• 1:13:53Caleb Hammer?

  Ladies and gentlemen, this is insane.

• 1:13:57Speaker 03

  That's the one I put on the app in my old-

• 1:13:59Caleb Hammer?

  Whoa, fuck!

• 1:14:01Speaker 03

  It was right next to McDonald's, so-

• 1:14:03Caleb Hammer?

  Whoooo!

• 1:14:05Speaker 03

  Most of that's breakfast.

• 1:14:06Caleb Hammer?

  Okay, keep telling me about the fucking cards, or whatever, you're nerdy shit, we'll get back to this.

• 1:14:09Speaker 03

  Well, I have a third bedroom in my house that we weren't using, so I made it into my office. And so, of course, I wanted to deck it out.

• 1:14:17Caleb Hammer?

  He's a service person, by the way.

• 1:14:18Speaker 03

  Yeah.

• 1:14:18Caleb Hammer?

  He needs an office.

• 1:14:19Speaker 03

  Yeah, I just, that's just what, it's really my man cave. It sounds more official when you call it the office, you know? So I have, you know, Darth Vader helmet on the shelf, bunch of lightsabers, My Hero figures, uh, some Pokemon cards. I got rid of a bunch of them, cuz-

• 1:16:33Caleb Hammer?

  What are you? Because you spent also money going out to eat that same month on multiple other cards as well. You're eating out multiple times a day. You're stopping and you're getting bullshit drinks, you're fucking around. This is crazy!

• 1:16:44Speaker 03

  Yeah. Some of those are, um, you know, like I said, some of them may just be a large fry. Or just a diet coke.

• 1:16:52Caleb Hammer?

  But it's insane. It is still money. It is still calories. It's still bad for you. It's still you don't have. Yeah, it's up your, your debt. What was it? Seventy thousand dollars? None of it was an asset?

• 1:17:02Speaker 03

  No.

• 1:17:04Caleb Hammer?

  Or at least accruing asset. Promise you your Tesla it isn't.

• 1:17:09Speaker 03

  Oh, no, definitely not. It's definitely gone down in value. I looked at the Carvana thing a few weeks ago, because she's leaving, so she doesn't need it for a while.

• 1:17:16Caleb Hammer?

  Yeah, I, I, I love, I love my Tesla, but they go down in value quick.

• 1:17:20Speaker 03

  Yeah, they definitely did.

• 1:17:21Caleb Hammer?

  You have to get it as a want and just treat it as a toy.

• 1:17:24Speaker 03

  It's a great car, but it's, it's just, it's expensive.

• 1:17:27Caleb Hammer?

  You're the first one to say that on this show, by the way.

• 1:17:28Speaker 03

  Oh, I love it. I, if I, I should have just bought me a Model Y when I did, but that three was just, it wasn't it. I didn't even have it.

• 1:17:34Caleb Hammer?

  You pull like a hit on them who haven't driven them. And I don't give a fuck about the politics surrounding them, because a lot of people try to make it about that.

• 1:17:38Speaker 03

  Just plug it up at night and it's ready to go in the morning.

• 1:17:41Caleb Hammer?

  Preach. You can't afford it. She actually probably can, but...

• 1:17:46Speaker 03

  Yeah. She's talking about taking over the payment now that she's in the military. Help me put that, because it's five.

• 1:17:51Caleb Hammer?

  What the is this?

• 1:17:53Speaker 03

  Uh, that looks like...

• 1:17:54Caleb Hammer?

  What am I looking at here? Principal balance of what? A Discover payoff schedule?

• 1:17:59Speaker 03

  Oh, yeah. I took a personal loan with Discover back in like January or February to pay off my Discover credit card.

• 1:18:08Speaker 03

  Yeah.

• 1:18:08Caleb Hammer?

  The one that's at eight thousand dollars.

• 1:18:10Speaker 03

  Yeah. I ran it back up. It was stupid of me.

• 1:18:15Speaker 03

  Yeah, I, uh...

• 1:18:16Caleb Hammer?

  Dude!

• 1:18:17Speaker 03

  And you know, I thought I was being smart, because I put it on a couple, like two years or three years.

• 1:18:21Caleb Hammer?

  I think everyone in Mississippi thinks they're being smart.

• 1:18:23Speaker 03

  Yeah. Heard that one before. But you know, I thought I was...

• 1:18:28Caleb Hammer?

  We love Mississippi here.

• 1:18:29Speaker 03

  I thought I was doing a good thing.

• 1:18:30Caleb Hammer?

  I will never step foot. We love them.

• 1:18:32Speaker 03

  Oh, come through on the coast. It's not that bad. It's really nice. Like Ocean Springs is really nice.

• 1:18:35Caleb Hammer?

  You know there's a lot of coast to choose from in the United States?

• 1:18:37Speaker 03

  Yeah, I know, but it's like a nice little pocket area. It's not too bad.

• 1:18:41Caleb Hammer?

  Not too bad isn't the review I want when I'm choosing the...

• 1:18:43Speaker 03

  I wouldn't live there if I was you, but I would visit.

• 1:18:45Caleb Hammer?

  California, Washington, Oregon, New York, South Carolina, North Carolina, Charleston, Florida, beaches, Miami, Galveston.

• 1:19:00Caleb Hammer?

  Like, what are we doing? Corpus Christi, South Padre Island.

• 1:19:04Speaker 03

  Yeah.

• 1:19:04Caleb Hammer?

  Uh, Traverse City, Michigan, Chicago.

• 1:19:08Speaker 03

  Yeah, I went to Myrtle Beach once, it was nice.

• 1:19:10Caleb Hammer?

  Myrtle Beach is the shit city I've ever been to in South Carolina.

• 1:19:13Speaker 03

  That was like 10 years ago.

• 1:19:14Caleb Hammer?

  And I've been all around South Carolina, that's, that was our vacation spot when we would road trip. Myrtle Beach is a shithole.

• 1:19:20Speaker 03

  Well, the beach is nice. Our beach is awful. We have barrier islands and blocks.

• 1:19:23Caleb Hammer?

  You're really selling it.

• 1:19:24Speaker 03

  Yeah. It's nice. If you're from there, you'd understand.

• 1:19:27Caleb Hammer?

  No, Charleston's great. Myrtle Beach, that hill and that island, that's great. Okay, this is insane. What's the interest rate on this?

• 1:19:34Speaker 03

  Uh, I wanna say it's close to 10%. I did a shorter term, cuz I was like, oh, I'm gonna get this paid off and do better.

• 1:19:39Caleb Hammer?

  Yeah, that's great, cuz now this is like, f***ing you.

• 1:19:41Speaker 03

  It's like almost $400 a month payment.

• 1:19:43Caleb Hammer?

  Yeah, I don't know if you're affording this, it's 3.95 and 88 cents a month. With the minimum, with the balance being $9,842.53.

• 1:19:54Speaker 03

  Yes. I was working a second job, just to pay that.

• 1:19:57Caleb Hammer?

  Really? What was it? Why'd you stop?

• 1:19:59Speaker 03

  I was working with my wife at the Japanese restaurant she used to work at.

• 1:20:02Caleb Hammer?

  Oh, that's what she did right before signing up?

• 1:20:04Speaker 03

  Yeah, she was the server. And then, uh...

• 1:20:06Caleb Hammer?

  Oh, okay, she is taking a big job, yeah.

• 1:20:07Speaker 03

  It was right across the street from my post office, so I would just go there after work some days and work. But, they hired a couple of extra people, and so there weren't that many shifts. So I was working like, once every two or three weeks, so it wasn't worth the trouble.

• 1:20:19Caleb Hammer?

  No offense, I wouldn't be getting sushi from you.

• 1:20:21Speaker 03

  Oh, I didn't make it, I just give it to you.

• 1:20:23Caleb Hammer?

  I would be very disappointed.

• 1:20:25Speaker 03

  Yeah.

• 1:20:26Caleb Hammer?

  Now, she pulled up, I'd be like, I trust this one.

• 1:20:29Speaker 03

  Yeah, I'm just a fat white guy, serving sushi.

• 1:20:32Caleb Hammer?

  Ah, this is ridiculous, man. And yeah, it's all going to, this is, yeah, the interest is heavy. Okay. Uh, Ford Maverick.

• 1:20:39Speaker 03

  Yes, that's my truck. That's the one I got rid of the Model 3 for. They were having, uh, I got off work, I was driving to pick up my kid.

• 1:20:47Caleb Hammer?

  Oh, so two electrics?

• 1:20:48Speaker 03

  It's hybrid. It's a gas.

• 1:20:50Caleb Hammer?

  It's a hybrid, okay.

• 1:20:50Speaker 03

  Yeah, I don't have to plug it up.

• 1:20:53Caleb Hammer?

  Minimum.

• 1:20:54Speaker 03

  It's a little truck.

• 1:20:56Caleb Hammer?

  Minimum monthly is 550.

• 1:20:58Speaker 03

  550, I pay 550, it's like 525.

• 1:21:01Caleb Hammer?

  Well, pay 525 asshole. You need to prioritize where money's going. 525, what's the interest rate on this?

• 1:21:07Speaker 03

  I want to say it's close to 9%. My, my, uh, credit union, see, I got the, we had a Honda Civic that we had for like five years.

• 1:21:15Caleb Hammer?

  Yeah.

• 1:21:16Speaker 03

  It had a big electrical issue and it was like six grand to replace it.

• 1:21:19Caleb Hammer?

  Okay, don't like that.

• 1:21:20Speaker 03

  I was like, no.

• 1:21:21Caleb Hammer?

  That doesn't mean we go get a 32,000 hour car. Well, you owe 31,992,93 cents.

• 1:21:26Speaker 03

  Well, I would have had to put that on debt, like a credit card, because I didn't have the money to pay for the repair. And it was more than the car was worth, so I found that Model 3, it was only 22 grand. It was a lower payment, the insurance was really high, but after like three weeks, I just hated that car. It was awful.

• 1:21:41Caleb Hammer?

  Too small for you.

• 1:21:42Speaker 03

  So I went, I passed by them on the way to get my kid and I saw they had the Maverick, because they sell really fast, because they're cheaper than like the big trucks. And I went back and forth with them for about four and a half hours. I ended up getting all the money back for the Tesla.

• 1:21:56Caleb Hammer?

  Big guy, come on. What are we talking about here? What do you think this car's worth?

• 1:21:59Speaker 03

  Uh, about 28, 29,000.

• 1:22:01Caleb Hammer?

  26, by the way, we've done the check. You owe 31,992,93 cents with a minimum payment that you can barely afford 525, like what are we doing?

• 1:22:11Speaker 03

  Yeah, my whole thing was that the Tesla, you know, the payment was lower, insurance was higher. So I was like, oh, this payment's higher, the insurance is significantly lower. So it cost me almost the same each month and then it had a lifetime, it has a lifetime warranty on it, unlimited miles. And I got the employee pricing for it.

• 1:22:28Caleb Hammer?

  Yeah, and again, you're underwater by 5,000, so like, stop with these rants, it's not working. Yeah, so it'll always be under about, you're gonna be, it's a depreciating asset, it's just gonna keep going down. Okay, Kessler, Kessler?

• 1:22:43Speaker 03

  Kessler, yeah.

• 1:22:44Caleb Hammer?

  Kessler, so what's, uh?

• 1:22:47Caleb Hammer?

  What's this? Uh, wait, this is your checking. Where's the other car loan?

• 1:22:51Speaker 03

  Uh, there ones with Ford.

• 1:22:53Caleb Hammer?

  Did you not, were you not able to give me the Tesla one?

• 1:22:55Speaker 03

  The Tesla's with Kiesler.

• 1:22:57Caleb Hammer?

  It's with Kiesler.

• 1:22:58Speaker 03

  My Ford, my Maverick is with Ford.

• 1:23:00Caleb Hammer?

  Oh, here she is, Model Y.

• 1:23:02Speaker 03

  Yeah, she's a 2021.

• 1:23:05Caleb Hammer?

  Yeah, model years don't matter as much on those, but

• 1:23:07Speaker 03

  Yeah.

• 1:23:08Caleb Hammer?

  Every once in a while, every few years, there is a jump. Okay, $26,975.63 and a 6.1% interest rate. Now, I mean, the minimum payment is 578.67.

• 1:23:22Speaker 03

  Yeah.

• 1:23:23Caleb Hammer?

  Like, now we're over $1,000 in minimum monthly payments when you bring in three.

• 1:23:26Speaker 03

  Yeah, just the two cars since I got a little carried away.

• 1:23:29Caleb Hammer?

  What do you think this is worth?

• 1:23:30Speaker 03

  Uh, I put it in Carvana to see if they would buy it. Cause she was leaving and she was like, oh, if we get rid of it, we can save the money. Put it towards other debt and they offered 19. I think I owe like 27.

• 1:23:42Caleb Hammer?

  27?

• 1:23:42Speaker 03

  Yeah, so I was

• 1:23:43Caleb Hammer?

  Good!

• 1:23:44Speaker 03

  I'm not, I can't afford to take that big of a hit.

• 1:23:47Caleb Hammer?

  Yes, you can.

• 1:23:47Speaker 03

  Well, if I have to get a personal loan.

• 1:23:48Caleb Hammer?

  Yeah, well, yes, do it. Then we focus on paying that off. We put it in the snowball. What do you mean? You just got, you just got 19,000 towards your debt. Of course, we're doing that. That's not an option. Of course, we're doing that. That's not a [bleep] option, dude.

• 1:24:02Speaker 03

  Yeah, I just don't know when she, she, it's gonna be at least four months, but I don't know when she'll need her car again.

• 1:24:07Caleb Hammer?

  Oh, well, what did she say? Did she say sell?

• 1:24:09Speaker 03

  Well, she was fine with it, cause she was like, okay, we sell it now, we get out of debt, you move to us later, eventually we'll get something cheaper.

• 1:24:16Caleb Hammer?

  But you don't know where she's gonna be deployed anyway.

• 1:24:17Speaker 03

  We don't, yeah, we don't know. And she was kinda hesitant to let her car go until we had a bigger picture.

• 1:24:22Caleb Hammer?

  Okay, maybe we don't yet. I don't know. But that's an option we're holding.

• 1:24:25Speaker 03

  Cause if I have to turn around and buy something right away and I just look at another person.

• 1:24:28Caleb Hammer?

  Yeah, $1,000 in your savings, not your child. Well, let's go to the checking.

• 1:24:32Speaker 03

  Yeah, I put that in there as backup.

• 1:24:34Caleb Hammer?

  Okay, here we go. You win $150 Coke, 25 cents a serving.

• 1:24:39Speaker 03

  Yeah.

• 1:24:40Caleb Hammer?

  I don't wanna [bleep] hear it anymore. There's no more excuses. There's no more excuses for that kinda [bleep], right?

• 1:24:44Speaker 03

  Mm-hmm.

• 1:24:44Caleb Hammer?

  Like, we, like, this is the sandwich. We talk about brewing coffee. Now we have the energy drink version or the hydration drink version. I don't wanna hear it anymore. Same, you went in, you got some bullshit. Five dollars, fifty-six cents that time. You zelled out fifteen. We got more McDonald's, withdraw from the ATM, two hundred. Popeyes, Burger King, Wendy's. Went in, got some bullshit. Wendy's. Went in, got some BS. ATM withdraw two hundred, three dollars, who knows where the fuck that went. Went in, got some BS, five fifty-six.

• 1:25:13Speaker 03

  Probably daycare. Daycare is one forty a week.

• 1:25:16Caleb Hammer?

  So is this a joint checking? Cause you said she's paying for that.

• 1:25:18Speaker 03

  She'll transfer. Our accounts are linked, but they're not one account. But we can send money back and forth without any trouble.

• 1:25:23Caleb Hammer?

  Cash app sixty-five, went in, got some bullshit. Five fifty-six. Looks like you're also getting a drink and a snack. Cause you repeat that same purchase over and over again.

• 1:25:30Speaker 03

  In the gas station?

• 1:25:31Caleb Hammer?

  Yeah, five fifty-six. I've seen it multiple times. You don't even know? You do it every day and you don't even know.

• 1:25:36Speaker 03

  Sometimes I get some water bottles, cause I work outside. I need to bring-

• 1:25:39Caleb Hammer?

  You buy in bulk, you fuck.

• 1:25:42Speaker 03

  I buy them in bulk at home. When I bring my lunch, I pack waters. When I rush out the door.

• 1:25:47Caleb Hammer?

  Dude, just in the back of your fucking truck, put a thing of waters. That's what I do for emergencies. Popeyes, Popeyes. Getting some bullshit, five fifty-six, there it is. Zaxby's. Rainforest Cafe, what the?

• 1:26:01Speaker 03

  Rainforest Cafe?

• 1:26:02Caleb Hammer?

  Rainforest, oh, sorry, Rainforest Express. You went in, got some bullshit.

• 1:26:05Speaker 03

  That's car wash.

• 1:26:06Caleb Hammer?

  Oh, great, you don't need that. Come on, you're on the Mississippi.

• 1:26:08Speaker 03

  Well, she took her bamboo that I had got her and was pouring the rest of the ice out and it smeared all down the side of my truck.

• 1:26:16Caleb Hammer?

  Doesn't matter, dump a bucket of water, you own a home. Dump a bucket of water on an asshole. Went in, got some bullshit, or ATM withdraw two hundred. Wendy's, went in, got some bullshit. Taco Sombrero. When the Mexican restaurants start saying Taco Sombrero, that's when you know you're getting further away from the border.

• 1:26:32Speaker 03

  I love Taco Sombrero.

• 1:26:33Caleb Hammer?

  Yeah, but you know, you're not at the border at that point. Mexican restaurant, Taco Sombrero.

• 1:26:40Speaker 03

  Yeah, it's kinda like-

• 1:26:40Caleb Hammer?

  Real Mexican food, please come here.

• 1:26:44Caleb Hammer?

  Okay, went in, got some bullshit, went in, got some bullshit. Smoothie King. Um, went in, got some bullshit, bullshit, bullshit, bullshit. Bamboo, Domino's, Texas Roadhouse. Bullshit, bullshit. And Soul Restaurant.

• 1:26:59Speaker 03

  That's Korean restaurant.

• 1:27:00Caleb Hammer?

  Yeah, and she's Vietnamese.

• 1:27:02Speaker 03

  Yeah, but we love Korean food.

• 1:27:03Caleb Hammer?

  And we love Koreans.

• 1:27:04Speaker 03

  One of our favorite things to go eat.

• 1:27:09Caleb Hammer?

  Okay.

• 1:27:12Caleb Hammer?

  And then here's...

• 1:27:13Speaker 03

  That is my TSP.

• 1:27:15Caleb Hammer?

  Yes, it is. It's your government. Essentially 401Ks is what it looks like. The vested balance 14, but um, what do you owe on it?

• 1:27:24Speaker 03

  Well, I took about half of it.

• 1:27:27Caleb Hammer?

  Because all you're able to borrow because that's not employee contributions. It's about, it's your contributions. You borrowed your entirety of contributions.

• 1:27:33Speaker 03

  Yeah, so it's 4% interest, but the interest goes back into the account as I pay it.

• 1:27:37Caleb Hammer?

  Uh huh. Yeah, which still sucks because you're losing out on market growth of about 10. Listen, you've got 40% actually so far.

• 1:27:45Speaker 03

  Yeah.

• 1:27:45Caleb Hammer?

  Because it's been a great year, except it doesn't matter anymore because now you're just getting 4%. And guess what? You get fired or you quit your job? They can call that. They can call it due.

• 1:27:54Speaker 03

  That's what my coworker told me.

• 1:27:55Caleb Hammer?

  That's what your coworker was correct about.

• 1:27:57Speaker 03

  Yeah, I haven't...

• 1:27:58Caleb Hammer?

  And no way. You can't even pay back your kid. You think you can pay this back?

• 1:28:01Speaker 03

  I, I, it has to be done in advance.

• 1:28:03Caleb Hammer?

  Why'd you take it? Where were you gonna put it?

• 1:28:05Speaker 03

  Because, you know, I was looking at the debt, trying to look at the bigger picture. I knew I was coming, you know, I want to do better. So I was like, okay, if this is only 4% back towards myself, then, you know, I can um...

• 1:28:19Speaker 04

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 1:28:48Speaker 03

  And like 25% on like the Discover card, I can just use that or something and pay it back. It's a lower minimum monthly payment frees up other money to go to other places. Like, you know, I just figured 4% back to myself.

• 1:29:01Caleb Hammer?

  Other places like New York?

• 1:29:03Speaker 03

  No, I want, I want to do better. I want to try to like, maybe I can save on the side a little bit. Maybe if I can budget it out eventually and put it to the side. I want to get to the point where I can go to New York guilt free. That's my goal.

• 1:29:17Caleb Hammer?

  I honestly think you should just start a new career there once she's out. If that's really, really you want to be.

• 1:29:21Speaker 03

  I hope they station her somewhere near there.

• 1:29:23Caleb Hammer?

  I'm down to put everyone where they want to be. Yeah, it's a higher cost of living area. You're gonna have a smaller house, but if it's the lifestyle you want, then do it. I encourage it. Regardless of, you know, there's a lot of things like...

• 1:29:36Caleb Hammer?

  Uh, okay, so income or just budgeting you, not her, cuz this is just your stuff, your debt, your accounts, and I guess you guys wanna be separate. Let's see, get your minimum debt payments. Discover at 180, plus Disney Rewards of 92, plus, no, that was Kisser Credit, and then Disney Rewards 66, plus, the Quicksilver at 27, plus 25 from the Savor Card, plus a personal loan of 395 and 88 cents, plus the Maverick at 525, plus the Tesla at 528.67. Well, oh, oh, fuck, we're fucked.

• 1:30:14Speaker 03

  Does that have my mortgage in it?

• 1:30:17Speaker 03

  I do have a mortgage.

• 1:30:19Caleb Hammer?

  Oh, okay, debt minimum payments, not including mortgage, 1,839.55. Oh, yes, what's your mortgage?

• 1:30:27Speaker 03

  940, with, that's with everything.

• 1:30:29Caleb Hammer?

  What's owed on the house?

• 1:30:30Speaker 03

  Uh, I wanna say somewhere in the 130s, I can't get into the website. It's expensive, but...

• 1:30:37Speaker 03

  I really can't, they've sold it off and it's with standard mortgage now.

• 1:30:40Caleb Hammer?

  Yeah, it's so easy to...

• 1:30:41Speaker 03

  I don't know my login.

• 1:30:42Caleb Hammer?

  I've had my mortgage sold so many times, it's so easy to get it set up, dude.

• 1:30:45Speaker 03

  Yeah, I tried a couple times, it locked me out, so I gotta call in.

• 1:30:48Caleb Hammer?

  Put in your address. Do a little house audit real quick. This is crazy.

• 1:30:55Speaker 03

  I don't know if the pictures are updated, we've done a few.

• 1:30:57Caleb Hammer?

  It's not about the pictures, it's about the value, the area, all that good stuff. What's your phone bill?

• 1:31:02Speaker 03

  Uh, she pays it, it's two, I know the price, but...

• 1:31:05Caleb Hammer?

  It doesn't matter, she pays for it, this is your budget. Do you guys split the mortgage, how does it work?

• 1:31:09Speaker 03

  Uh, I pay it.

• 1:31:10Caleb Hammer?

  Oh!

• 1:31:11Speaker 03

  Yeah, it doesn't look anything like this now, but...

• 1:31:13Caleb Hammer?

  It's not about how it looks, okay, 940, why, did you guys do a big renovation?

• 1:31:17Speaker 03

  Uh, we, I got rid of all the, all that stuff you see up front's gone, I cleaned, it's just grass, I got rid of all that stuff off the house, I...

• 1:31:24Caleb Hammer?

  Good, we got rid of all the character.

• 1:31:26Speaker 03

  Yeah, we extended the driveway, replaced the windows, all that good stuff.

• 1:31:30Caleb Hammer?

  Why are you doing that?

• 1:31:30Speaker 03

  Yeah, cuz the windows were leaking.

• 1:31:32Caleb Hammer?

  Dude, it's like worth like 185, oh wait, actually, let's get it, 130, you have an equity position, okay, we're chilling.

• 1:31:37Speaker 03

  It's only 3.19% interest, so, that's why I don't wanna get rid of it. If we move off with her, that's why I wanna get my dad or somebody to rent it. In case we come back, or, you know, at least while we're gone, he can make the payment and build some more equity.

• 1:31:52Caleb Hammer?

  Can I call the wife in the post show?

• 1:31:53Speaker 03

  Yeah, she answers. I texted her earlier.

• 1:31:56Caleb Hammer?

  We're gonna do that. I know that'll always be, it's always good. Okay, utilities. Who pays for that?

• 1:32:01Speaker 03

  Um, she pays power, cuz the Tesla charges.

• 1:32:03Caleb Hammer?

  What do you pay for?

• 1:32:04Speaker 03

  I pay water. It's about a hundred.

• 1:32:06Caleb Hammer?

  What about internet? Does she?

• 1:32:07Speaker 03

  She pays it. It's all included with T-Mobile.

• 1:32:09Caleb Hammer?

  Gas, food, room, drive, drive for you.

• 1:32:10Speaker 03

  I'd say thirty a week, so one twenty.

• 1:32:14Caleb Hammer?

  Car insurance, who pays for that?

• 1:32:15Speaker 03

  I pay. It's three twenty.

• 1:32:17Caleb Hammer?

  Oh, [bleep]. That's insane. We're over the budget, by the way, already.

• 1:32:20Speaker 03

  I know, yeah.

• 1:32:21Caleb Hammer?

  Yeah, you're dead. So, uh, food and groceries, how does this work for the house?

• 1:32:25Speaker 03

  Uh, usually she buys them, but she took a break from work to get all the mil- the military stuff took longer.

• 1:32:31Caleb Hammer?

  How does this work now that she's away?

• 1:32:32Speaker 03

  It's gonna be me. I, I have a budget to get that out yet.

• 1:32:35Caleb Hammer?

  You should be able to do five hundred dollars. Lots of meal prep. The kid's not gonna be happy. He's gonna be changing his lifestyle from McDonald's to lots of warmed up meals, but you're gonna meal prep a few times a week. TP fun, anything else you and the kid need, hundred fifty bucks. That's toothpaste, toothbrush. Dude, you can scrap it out with your kid. Kid, just look for video games and having fun, go into the park.

• 1:32:52Speaker 03

  Yeah.

• 1:32:53Caleb Hammer?

  Uh, you know, it's like, you can scrap it out with the kid.

• 1:32:55Speaker 03

  Yeah, walk the dogs.

• 1:32:56Caleb Hammer?

  Yeah, come on. We can have fun without going to New York and out to eat endlessly. Medical, healthcare, you know, co-pays and [bleep].

• 1:33:03Speaker 03

  Uh, the, well, I'm canceling my health insurance cuz we're gonna be on her military insurance.

• 1:33:07Caleb Hammer?

  Okay, but are there co-pays you're paying for?

• 1:33:09Speaker 03

  Hmm, just like ten bucks when I go.

• 1:33:11Caleb Hammer?

  But that's rare.

• 1:33:12Speaker 03

  Yeah.

• 1:33:12Caleb Hammer?

  Gym, is there a gym?

• 1:33:13Speaker 03

  Uh, no.

• 1:33:14Caleb Hammer?

  Okay.

• 1:33:15Speaker 03

  Probably should be, but no.

• 1:33:16Caleb Hammer?

  I, I can put, you want me to put it in?

• 1:33:18Speaker 03

  Uh, I don't know if I'll have the time, so don't put it in yet.

• 1:33:20Caleb Hammer?

  Well, just do lots of walks with the dogs and diet.

• 1:33:22Speaker 03

  Yeah, I need to.

• 1:33:23Caleb Hammer?

  Yeah, oh, how, uh, how old's the dog? What's the health?

• 1:33:26Speaker 03

  He's six.

• 1:33:26Caleb Hammer?

  Health?

• 1:33:27Speaker 03

  He's doing good.

• 1:33:27Caleb Hammer?

  Yeah, pet insurance?

• 1:33:28Speaker 03

  I used to, and then when he's, he swallowed a piece of rubber one time. I took him to the vet, and they said the health, the pet insurance, when I submitted it to him, they said it wasn't covered.

• 1:33:38Caleb Hammer?

  There's lots of [bleep] pet insurance out there, so you have to shop for the right one. Unfortunately, the right ones are quite pricey, but once you actually get that, it does save you a lot of money. It's, it literally saved me like thirty thousand dollars this year.

• 1:33:46Speaker 03

  It kinda hurt my, my trust with it, you know?

• 1:33:48Caleb Hammer?

  It does. You have to shop and get good ones. Fifty dollars. You have to do lots of vetting.

• 1:33:51Speaker 03

  Yeah.

• 1:33:52Caleb Hammer?

  Fifty dollars, I'll put it there. Dog food, how much?

• 1:33:55Speaker 03

  Um, he, he kinda like a grazer, so we buy the big bags. I'd say forty bucks every two months. So twenty dollars a month? No, he's a tiny, he's like ten pounds.

• 1:34:04Caleb Hammer?

  Okay. Good, cuz grazing's not always healthy, but it sounds like he does it well. Uh, good. Anything else I need to put in your budget that is not taken into account yet?

• 1:34:12Speaker 03

  Let me think. I have a checklist on my phone. I usually go through each month. I put a check by it once I pay it.

• 1:34:18Caleb Hammer?

  I don't even think you want, you're gonna be looking for another job anyway and who knows where you're gonna be. I'll get you a course career certification so you can go into a field that we want to do in the future. That'll be good, but I don't know how you're gonna do this. You, you guys need to combine and that's what we're gonna talk to her about in the post show. Cause that's the only solution here. It's like, you guys can do this combined, but let me add this up. Cause right now with just your income, this does not work.

• 1:34:43Speaker 03

  Oh no, yeah. When I got off the overtime list, cause I went to hang out with her more before she left. That overtime definitely helped. Oh yeah, we get along. It's just when it comes to the money and stuff, that's what really, really gets us going.

• 1:34:58Speaker 03

  But other than that, we, we do great.

• 1:35:00Caleb Hammer?

  Dude, yeah.

• 1:35:01Speaker 03

  Yeah, it's bad.

• 1:35:03Caleb Hammer?

  This is, it's, it's, it's done. It's done. And with the combined household income, obviously she takes care of some things and whatnot. I think you'll have a couple thousand hours left over and that with the.

• 1:35:15Speaker 03

  Yeah, she is willing to help.

• 1:35:16Caleb Hammer?

  Sixty-nine thou- well, it's not about help dude, it's about conquering it together, but that also.

• 1:35:20Speaker 03

  Yeah.

• 1:35:20Caleb Hammer?

  Means you changing your behavior or else I don't want her to.

• 1:35:23Speaker 03

  Yeah, that's.

• 1:35:24Caleb Hammer?

  But with the two thousand, I think we can contribute to it a month once we combine. It's about, um.

• 1:35:31Caleb Hammer?

  About a three-year process to pay off the debt and that's okay. It gets almost through her service and then once she's out, you guys are living a great life in your thirties, kind of starting fresh. You know, doing, living a great life, getting a fully funded emergency fund. But right now, you need four thousand fifty-nine dollars fifty-five cents to survive and you can't.

• 1:35:47Speaker 03

  Yeah.

• 1:35:47Caleb Hammer?

  Alone. So you guys have to combine. So we're gonna call her in the post show. That's what we're gonna do. Let's get the hammer financial score first. Okay, spending in a budget, well, you overspend, zero out of ten. Debt, it's as bad as it gets without. Having collections or IRS. Well, you borrowed against your retirement, zero out of ten. Emergency fund. No, you had a thousand in savings actually.

• 1:36:09Speaker 03

  I keep the one thousand.

• 1:36:10Caleb Hammer?

  You're about to change from your assessment, one out of ten. Retirement, you have a little bit of the match, but still very behind. And then you borrowed against this, so I'm gonna give you a two out of ten of best.

• 1:36:18Speaker 03

  Yeah.

• 1:36:18Caleb Hammer?

  Real estate, you have an equity position. When did you take the assessment? This doesn't add up. This is not how the assessment would have given it to you.

• 1:36:25Speaker 03

  It's been a while, but I would. It was, um.

• 1:36:27Caleb Hammer?

  Like you have an equity position. The house is okay. What's the interest rate on your mortgage?

• 1:36:30Speaker 03

  3.1%.

• 1:36:31Caleb Hammer?

  Yeah, that's good. I'm gonna give you a... Listen, you can't necessarily afford to have the house right now, so it's gonna take some points off. About a 6 out of 10. But at least you have that. You have an equity position in a good rate.

• 1:36:41Speaker 03

  Yeah, I'll let the cars go long before I let the house go.

• 1:36:44Caleb Hammer?

  Of course. That's gonna be a Hammer Financial Score rounded up to a 2 out of 10. Click that join button. Join us in Hammer Elite for an extra 20 minutes. We're gonna call his wife in three premium shows posted every single day, Monday through Friday. I'll see you there. I need you to call your wife. Tell her about everything we have here.

• 1:37:02Speaker 03

  It's a scary task. Okay, so what do you want me to do? Basically, I'm gonna need you to help take over some of my debt until we can get out of this. Wait, hold, hold the [bleep]. You want me to take your debt?

• 1:37:13Caleb Hammer?

  That was the most ineffective communication I've ever seen in my life.

• 1:37:17Speaker 01

  I've never seen anybody not understand an hour and a half conversation more than watching you try to explain what this conversation was.

• 1:37:25Speaker 07

  After that, she's absolutely getting clout and basic.

• 1:37:28Caleb Hammer?

  Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.

• 1:37:46Speaker 04

  Now at Kroger, your points add up to more ways to save every trip. Use them your way to take dollars off groceries at checkout or save at the pump. You can even save up to $35 on your next fill-up. Same points, more choices. And with low prices on fresh, quality food, plus digital and personalized offers tailored to how you shop, your dollar goes further. Redeem your points online or in the app. Kroger, fresh for everyone. Restrictions apply. See site or store for details.